LANDLORD COVERAGE

Property Coverages

- Dwelling, attached structures and separate structures are covered for almost any type of damage except common exclusions such as wear and tear, earth movement, earthquake and flooding.

- Separate Structures are covered up to 10 percent of the replacement cost of the rental property.

Personal Property

- Coverage up to 5 percent of the replacement cost of the rental property. Higher amounts available by endorsement.

- Coverage is on a named peril basis meaning only losses resulting from reasons listed in the policy are covered.

Business Liability

- Coverage is for damages resulting from bodily injury, personal injury or property damage arising out of ownership, maintenance or use of a rental dwelling.

- Includes cost to defend claims and/or lawsuits.

Loss of Rents

- If your property is unlivable due to a covered loss, coverage is provided for the lost rental income.

- Coverage is provided until the property is made livable - up to 12 months.