Landlord Insurance

Discover 360° landlord insurance options, including earthquake, flood, and mortgage protection, ensuring your rental property is fully safeguarded!

Landlord Insurance Guide

When shopping for landlord insurance, consider these factors that can affect your premiums:

1. Property Value

- Replacement cost of the rental property

- Current market value

2. Location

- Proximity to emergency services

- Crime rates in the area

3. Property Features

- Age and condition of the building

- Type of construction (brick, wood, etc.)

- Number of units (single-family vs. multi-family)

4. Safety and Security

- Security systems installed

- Smoke detectors and fire alarms

5. Claims History

- Previous claims made on the property

6. Deductible Amounts

- Choosing higher deductibles can reduce premiums

7. Coverage Options

- Types of coverage (property damage, liability, loss of rent)

- Additional endorsements (e.g., landlord liability, legal expenses)

8. Occupancy Type

- Short-term rentals vs. long-term tenants

9. Discounts

- Available discounts (bundling policies, safety features)

Use this checklist to gather important information and make informed decisions while shopping for landlord insurance!