Landlord Protection Insurance
Get the right coverage to protect your rental properties. Serving all of California and Nevada.
A rental property, also commonly referred to as tenant occupied property or investment property, is a great investment, especially if you protect your assets with excellent coverage. Make sure that you and your property are covered when choosing a landlord protection insurance policy. The right landlord policy can insure your property against fire, theft, vandalism, water, liability, medical payments coverage and more!
Landlord Insurance Coverage Options
PROTECTION FOR YOUR HOME
Property or Dwelling Coverage typically pays to repair or rebuild your rental property if it’s damaged or destroyed by an insured event like a kitchen fire and smoke, vandalism, windstorm, hail, lightning strikes and more. Most insurance carriers will offer an extended replacement cost coverage up to 150% or more of dwelling coverage.
OTHER STRUCTURES PROTECTION
Other structures protection covers structures such as garages, shed, and other buildings that are separate from your rental property.
LOSS OF RENT
If your tenant can’t live in your rental property because of a covered loss, your landlord insurance policy will pay loss of rent or loss of income.
Landlord Protection liability insurance options protect you and your spouse or domestic partner against personal injury, wrongful eviction, or wrongful entry as well as other non-bodily injury claims such as libel and slander.
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Many landlords supplement their coverage with add-on coverage options such as vandalism coverage, burglary coverage, rental property under construction, building code, and personal umbrella liability insurance for broader protection. Talk to us today about the amount of coverage that’s right for you.
Landlord Insurance Discounts & Savings
You can save a lot on your Landlord Protection Insurance. Here are some discounts & savings options offered by our carriers:
Save on your monthly premium when you bundle two or more policies together. Slightly differs between companies.
CHOOSE A HIGHER DEDUCTIBLE
A higher deductible will lower your landlord insurance bill while decreasing how much you pay out of pocket.
PAY YOUR BILL IN FULL
If you pay your bill in full rather than monthly installments, you’ll pay less in the long run.
Some companies offer an early shopper discount if your current insurance policy doesn’t expire for a while.
Every rental property is unique and has a different set of needs. As an independent agency, Jessica Liu Insurance Services can help you find the best landlord insurance policy catered to your individual needs.
We can compare rates for you from a range of top-rated companies, explain the different coverage options available to you, and help find any discounts you may qualify for to maximize your savings. Call us today to learn more about landlord insurance and receive a free quote.
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