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Damage from electrical fires, kitchen fires, a candle left out or an iron left on, or a lightning strike that fries electronics and wiring
Collapsed roofs, damaged gutters, leaks caused by ice dams, burst pipes caused by frozen heating units, structures damaged by falling trees
Damaged roofs, tornado damage, broken windows, damage from airborne objects, wind-driven moisture that seeps inside your home
Water Damage from Plumbing or Appliances
Busted lines to dishwashers, washing machines, and toilets that cause bubbled flooring, drywall damage, and appliance failure
This covers your rental property and the structures attached to it, like a porch or deck. Damage from fire, falling trees, busted pipes, and more fall under this protection.
Like other homeowner policies, unattached buildings and structures need their own coverage. This includes sheds, fences, in ground pools, carports, garages, and separate patios.
If your actions or neglect causes damage to your tenant or someone else visiting the property, this coverage helps pay the costs and protect your other assets.
This coverage can help pay for medical expenses if someone is injured in an accident on your rental property, even if you’re not personally liable.
Graffiti, ruined drywall, broken windows and more are included in this coverage. It helps cover repairs or replacement, including your own belongings used at the property.
This coverage helps pay for the cost of your personal belonging and repairs of damages to the dwelling caused by burglary.
Landlord insurance protects both your investment property and your personal assets. It helps you rebuild or repair your rental property from most natural and tenant-inflicted disasters, such as a falling tree slicing through the roof or a grease fire gone wild. Landlord insurance also has a liability component. If something happens to a tenant or visitor that’s your fault and you’re taken to court, landlord insurance helps pay damages so you’re not paying out of pocket.
It can cover everything from property damage to vandalism and more. Your local agent can help tailor a policy that protects your unique property, whether it’s house, apartment, or vacation condo. We’ll help identify your specific risks based on location, property type, your other assets, and more. Just ask for a free quote.
Let’s say an electrical fire happens. If your rental property is uninhabitable due to damage, your tenants will need to move out temporarily and you’ll lose that rental income. Landlord insurance helps cover that lost income while the repairs are made for covered losses.
A rental property carries more risks than your own home, so standard homeowners insurance won’t cover it. Even a short-term rental needs to be checked against your policy. And if you have a mortgage for the property, most lenders will require the proper coverage. Ask your local agent about your specific situation.