Landlord Insurance

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Landlord Insurance

Whether you own one rental property or a larger portfolio, the right landlord insurance can help protect your investment. Gilbert DLG Insurance Agency can help you explore reliable coverage options and find a policy that fits your property, rental needs, and budget.

What is Landlords’ Insurance?

Landlords’ insurance is designed to help protect property owners against certain financial losses associated with rental properties. Depending on the policy, coverage may protect the rental building and may also provide coverage for eligible contents or property owned by the landlord inside the rental.

Landlords’ insurance is sometimes referred to as buy-to-let insurance, although buy-to-let coverage is generally designed around a property purchased specifically for rental purposes. Coverage for multiple rental properties may be structured differently, so the appropriate policy can depend on the number, type, and use of the properties you own.

What is Usually Covered With Landlord Insurance?

Depending on the policy, landlord insurance may provide protection against covered perils such as fire, lightning, explosion, earthquake, storm, flood, escape of water or oil, subsidence, theft, and malicious damage. Coverage varies by insurer and policy, so not every policy will include all of these protections.

Optional coverage may also be available for risks such as accidental damage, malicious damage by tenants, terrorism, legal protection, alternative accommodation expenses, landlord contents, rent guarantee, and liability protection. These options can help address additional risks associated with owning and renting property.

Landlord insurance generally does not cover personal property belonging to tenants or provide direct protection for a tenant’s own interests. However, appropriate liability coverage for a landlord or property manager may help address certain losses for which the landlord is legally responsible.

Protecting a rental property starts with understanding the risks and choosing coverage that fits your situation. Contact us to learn more about landlord insurance options for your rental property.