Landlord Insurance
Great Rates, Service and Coverage From Reputable Insurers.
s a rental property, your home or condo functions like a business and requires specialized coverage.
Examples of coverage include lost rent if a covered loss makes the rental uninhabitable, and liability protection if a tenant holds you responsible for injuries. Not only do we offer competitive rates for long-term rental insurance, but we also cover short-term rentals. We have access to insurers that brokers cannot, often providing better premiums and coverage.
Available Landlord Insurance Coverages
Dwelling coverage protects your home and anything permanently attached to it. With landlord insurance, coverage is based on a replacement cost valuation.
Separate structures coverage protects detached garages, accessory dwelling units, sheds, and fences. For landlord insurance, the coverage is based on the value of these separate structures.
Loss of rents coverage compensates for lost rental income if your property becomes uninhabitable due to a covered loss. Coverage under landlord insurance is based on the rent collected and the time needed to rebuild or repair the property.
Liability coverage financially protects you if you're held responsible for injuries that occur on your property. We recommend a minimum liability limit of $300,000 under landlord insurance.
Extended replacement cost coverage, available with landlord insurance, boosts coverage for the dwelling, providing added protection if building costs rise unexpectedly. To ensure coverage applies, it's important to inform your agent about any remodels.