Rental Property Insurance

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.

We go the extra mile!