LANDLORD INSURANCE

Do you own a home that you don’t personally occupy or that you rent to tenants? A landlord insurance policy, also known as a dwelling fire policy, is an important way of protecting yourself as a landlord. Our expert landlord insurance agents will assist you with building a customized landlord insurance policy with adequate coverage to meet your unique needs.

FREQUENTLY ASKED QUESTIONS

  • Your tenants’ personal property and liability are not covered under your landlord insurance policy. We recommend that you require your tenants to have their own renters insurance policy.

  • Landlord insurance premiums are typically more affordable than traditional homeowners insurance premiums, however, premiums are still determined by the home’s characteristics, claim history, and coverage selection.

LANDLORD INSURANCE KEY FEATURES

Rebuild or repair the structure of your home according to current prices of labor & materials.

DWELLING REPLACEMENT

Provide rental income protection if your tenant is temporarily unable to live in your home due to a covered unexpected loss.

FAIR RENTAL VALUE

Rebuild or repair other permanent structures on your property (e.g. fence, storage, shed, pool house).

OTHER STRUCTURES

Provide coverage if a claim or lawsuit is brought against you for damages due to bodily injury or property damage.

PERSONAL LIABILITY

Replace damaged or stolen personal belongings used to service or furnish the rental.

PERSONAL PROPERTY

Cover the cost of medical bills for people who are accidentally hurt on your property if you are found at fault.

MEDICAL PAYMENTS