Landlord / Renters


Landlords Insurance

AppliancesLandlord's rental property insurance provides all the coverage you need to protect your property from damage and to protect you from personal legal liability.

Coverage in landlord's rental property insurance can include:

  • Your rental building
  • Other private structures, such as a garage or shed
  • Any personal property, such as tools, appliances, and furniture, stored on-site or provided by you, for use by your tenants

Landlord’s rental property insurance is typically broken down in two ways:

Landlord's Rental Dwelling Insurance
This policy covers you if you own a rental building designed for one to four families.

Landlord's Rental Condominium Insurance
If you own a condo and rent it out, this coverage is for you.

Renters Insurance

ApartmentsIf you rent your home, having insurance protection for yourself and your possessions is still important. Similar to home insurance, renters insurance protects you in situations that everyone can face: fire, theft, water damage and other unforeseen circumstances your landlord's policy doesn't cover.

Renters insurance typically provides coverage, up to the limits you select, for specified items and situations, including:

  • Personal property (furniture, electronics, computer equipment, clothing, etc.)
  • Personal liability if someone is hurt, whether in your home or away from it
  • Damage to your apartment or home caused by a covered loss

Imagine going to dinner or a special family get-together, and when you return home, you're greeted by the flashing lights of police cars and fire trucks. Building fires and damage can happen anytime, anywhere, but with proper renters insurance, your personal property inside your apartment will generally be covered if it's affected by any of the following:

  • Fire
  • Smoke damage
  • Theft
  • Collapse of the building due to weather
  • Water leakage or overflow
  • Freezing of plumbing, air conditioning and more

Renters insurance will protect you from incidents that occur while you're at home, too, such as a toaster catching on fire or a friend slipping and falling while visiting you. Renters insurance provides coverage for your own items, and it provides coverage for other people's injuries or damages in situations for which you're liable, as well.

You can't rely on your landlord's insurance to cover your valuables - landlord insurance only covers the building structure and not your personal property.

  

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