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OVERTON INSURANCE
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Home > Rental house and vacant house insurance in Alabama.

Rental Property Insurance


Rental Property Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Rental house quote
Vacant property quote

Rental Property Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Renters property claim form
Request for copy of policy
Vacant house endorsement request

Rental Property Insurance Information

Who needs insurance on a rental house?

A person who owns a home occupied by a:

  • Tenant--someone who pays rent for the use of the home
  • Friend or family member (whether or not paying rent)
  • Anyone other than the owner

 

What coverages are available for a rental house?

 

  • Coverage on the building
  • Coverage on landlord's contents, if any
  • Liability coverage--if someone got hurt on the property, the owner would be sued
  • Landlord personal liability--protection when a tenant sues the landlord for wrongful eviction, defamation of character, etc.
  • Loss of rents--if a tenant has to move out because of a covered loss, the owner would receive a portion of the rents not collected
  • Earthquake
  • Vandalism

 

 

Who needs insurance on a vacant house?

 

Someone who:

  • Owns an unoccupied rental house
  • Bought a house that needs remodeling before it can be occupied
  • Owns an unoccupied house that is up for sale
  • Inherited a house that is presently unoccupied.
  • Owns an unoccupied home due to moving to a nursing home 

 

Most homeowners' policies have a very limited amount of time they will cover a vacant house.  Check your policy!

 

 

What coverages are available for a vacant house policy?

 

  • Coverage on the building
  • Liability coverage--if someone got hurt on the property, the owner could be sued

 

 

How can I buy insurance?

  • Online
  • Over the phone
  • In the office by appointment
  • In person (we come to you!)

 

Call us toll-free at 800-239-6124.

 

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PO BOX 43588
Birmingham, AL 35243

Phone: 800-239-6124
Fax: 205-968-8105
Email: janice@overtoninsurance.com

Fill out the form below to get started with an insurance quote

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