Landlord Insurance

Coverage Options Can Include:

• Premises Liability
  Premises Liability covers losses that occur on the rental property. Liability coverage can help protect you from bodily injury or property damage resulting from the use of the rental property. Liability limits of $100,000 or higher are available.
  
  Example: If your tenant falls down the steps at your rental house and a court finds you failed to maintain the stairs or repair a broken railing, you could be held legally responsible for your tenant’s medical and legal costs. Landlord premises liability coverage may help pay for those expenses.
• Property Coverage
  coverage for the rental property, other structures (garage), and landlord’s personal property in the rental unit from covered damages.
  
  Example: If you provide a refrigerator, washer and/or dryer for your tenant and those appliances are damaged in a covered loss, they can be repaired or replaced subject only to your deductible and policy limit.
• Loss of Use Coverage
  Loss of use coverage protects your income by providing coverage for the fair rental value of the property if it is not fit to live in while your property is being repaired as a result of a covered loss, subject to coverage terms and limits.
• Medical Payments
  A $1,000 limit is included if liability coverage is purchased (higher limits available), which can provide coverage for the medical expenses of a person who is injured on or as a result of a condition on the property. This coverage does not apply to you or anyone who is a regular resident on the property.