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Rental Property Protection
The tangible belongings associated with your rental property are usually covered by property protection in an insurance policy for landlords. This may include the dwelling itself and any equipment you keep on-site to maintain it. Coverage generally includes:
Dwelling
This coverage helps pay for repairs to your rental home, apartment, or condo if it is damaged by fire, wind, lightning, hail, or other covered losses.
Other Structures
If a covered loss affects any of your rental property's detached garage or fence structures, this portion of your policy will pay for repairs.
Personal Belongings Used for Maintenance
Landlord insurance may assist in covering damage to equipment, such as a lawnmower or snow blower, that you leave on-site for the upkeep of your rental property.
Your rental property policy's deductibles and limits apply to each coverage category. Before your landlord insurance begins to pay for a covered loss, you have to pay your deductible.
Liability Insurance
Let's say someone is hurt on your rental property, and you are held accountable. Their hospital or legal bills can subsequently be reimbursed by the liability section of your rental property insurance policy.
Depending on your rental's location, geographic area, or condition, you may want to add optional coverages to your landlord policy. These protections might include:
