If you are a Landlord owning one or more properties you
will need to protect your property with Landlord Insurance - its contents, and
potential
loss of rent.
A landlord may be liable
to the tenant or others for injuries caused by dangerous or
defective conditions on the rental property, as well as
criminal activity and environmental hazards such as lead. A
tenant can file a personal injury lawsuit for unlawful
eviction, medical bills, lost earnings, pain and other
physical suffering, permanent physical disability and
disfigurement and emotional distress.
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Not all insurance policies are the same. Coverage and
methods of settling your claims can be drastically different
from one insurance policy to another. So, give us a call to
discuss your particular situation.
Know what your policy covers. Determine what you want
your policy to do for you in the event of a claim. Landlords
who want minimal coverage to protect their property from major
causes of loss, such as fire, wind or explosion, should
consider a named peril policy, which actually names the types
of losses that will be covered in the policy. Those landlords
who want the broadest coverage available, a comprehensive
policy is the answer. It covers all types of accidental
losses, except those that are specifically excluded in your
policy. Besides the base coverage within your policy, you will
need to decide what optional coverage need to be included.
These can include but are not limited to: liability, loss of
rents, other structures, theft, personal property, vandalism
or malicious mischief (sometimes included in the policy), and
earthquake.
Make sure that besides physical injury your policy also
covers
libel, slander, discrimination, unlawful and
retaliatory eviction as well as invasion of privacy suffered by
tenants and guests. It is important to carry liability insurance on all
the motor vehicles
used in the business, including the car/truck driven by manager
in case he/she uses it to do the job.
