{"id":210,"date":"2021-07-06T07:39:41","date_gmt":"2021-07-06T14:39:41","guid":{"rendered":"https:\/\/pinecrestinsurance.com\/?page_id=210"},"modified":"2021-08-23T13:23:58","modified_gmt":"2021-08-23T20:23:58","slug":"landlord-property-insurance","status":"publish","type":"page","link":"https:\/\/pinecrestinsurance.com\/products\/landlord-property-insurance\/","title":{"rendered":"Landlord Property"},"content":{"rendered":"\n\n\t\t<h2>\n\t\t\tLandlord Property Insurance\n\t\t<\/h2>\n\t\t\t<p>If you are renting out your property, your\u00a0homeowners insurance\u00a0will not cover you. Instead, you will need a comprehensive landlord rental property policy. You should view your property as a business and landlord\u00a0insurance\u00a0as a necessary investment to keep your business running smoothly.\u00a0\u00a0There are many responsibilities to being a landlord. One of the most important\u00a0is making sure that you have the appropriate amount of insurance. When you are renting to someone, there are many things that can happen, and protecting yourself is critical so you do not end up spending a lot of money in the future. We can help you put an\u00a0insurance\u00a0plan together at very competitive rates.<\/p>\t\t\n\t\t\t<a href=\"https:\/\/pinecrestinsurance.com\/products\/renters-insurance\/\" target=\"_self\" rel=\"noopener\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/pinecrestinsurance.com\/wp-content\/uploads\/2021\/07\/apartment-square-150x150.jpg\" alt=\"apartment-square\" \/>\n\t\t\tRelated Product\n\t\t\t\t\t<h4>Renters Insurance<\/h4>\n\t\t\t\t\t<p>Learn More<\/p>\t\t\t\t\n\t\t<\/a>\n\t\t\t<a href=\"https:\/\/pinecrestinsurance.com\/products\/homeowner\/\" target=\"_self\" rel=\"noopener\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/pinecrestinsurance.com\/wp-content\/uploads\/2021\/07\/welcome-home-square-150x150.jpg\" alt=\"welcome-home-square\" \/>\n\t\t\tRelated Product\n\t\t\t\t\t<h4>Homeowner Insurance<\/h4>\n\t\t\t\t\t<p>Learn More<\/p>\t\t\t\t\n\t\t<\/a>\n\t\t\tThings To Consider When Looking For Landlord Property Insurance&#8230;\n\t<ul>\n\t\t\t<li>\n\t\t\t\tReplacement Cost Coverage-Dwelling\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tBasic Protection or Limited Contents Policy\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tLandlord Premises Liability Insurance\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tPersonal Injury Liability\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tLegal Costs\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tLoss of Rental Income Coverage\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tDamages Caused by Natural Disasters such as Flood and Earthquake Coverages\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tWater Damages Coverage (Not including flood damages)\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tCondo Insurance (If renting a condo)\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tInjuries to Others on Your Property\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tVandalism\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tEmergency Expenses\n\t\t\t<\/li>\n\t\t<\/ul>\n\t\t\tFrequently Asked Questions\n\t\t\t\t\tWhat is a Limited Contents Policy?\t\t\t\t\n\t\t\t\t\t<p>Limited contents policies (or basic landlord insurance) is coverage for unfurnished units, which will cover the main improvements on your land, including the building you rent out, garages, sheds, swimming pools, and other permanent or semi-permanent structures. Basic policies do not cover the contents of the rented house.<\/p>\n\t\t\t\t\tWhat is a Full Contents Policy?\t\t\t\t\n\t\t\t\t\t<p>Full contents policies (or basic plus contents) is coverage for furnished units, which will cover appliances, furniture, etc. inside your rental property. It will also cover any malicious damage your tenants cause to the property and your belongings.<\/p>\n\t\t\t\t\tWhat is Landlord Liability Insurance?\t\t\t\t\n\t\t\t\t\t<p>Landlord liability insurance is coverage for expenses if a tenant or one of their guests sues you for injuries to themselves on your property and the injury was caused by something on your property. These expenses could include medical expenses, time missed from work, and more.<\/p>\n\t\t\t\t\tWhat is covered for Legal Costs?\t\t\t\t\n\t\t\t\t\t<p>Your tenant can sue you for damages while living in your home, refuse to pay rent, and ignore your notice of eviction. In such cases, and many others, you will need legal representation. Court costs can be expensive, especially if you lose. This policy extra will cover any expenses related to your legal defense.<\/p>\n\t\t\t\t\tWhat is covered for Loss of Rental Income?\t\t\t\t\n\t\t\t\t\t<p>Loss of rental income coverage will pay you the income you lost due to many things such as fires, floods, earthquakes, and other natural disasters as you are making repairs to the building.<\/p>\n\t\t\t\t\tWhat is covered with Water Damage?\t\t\t\t\n\t\t\t\t\t<p>Water damage coverage is an optional coverage that protects you from water damage due to backups, plumbing accidents, spills, sewage drains, and wells. Remember that this coverage does not include flooding. Flood coverage is another optional coverage you should consider.<\/p>\n\t\t\t\t\tIf I am renting a Condo, do I still need to consider Landlord Property Insurance?\t\t\t\t\n\t\t\t\t\t<p>Yes. Condos come with general building insurance, but you need more protection as a landlord. Consider a condo insurance policy to provide coverage for improvements on your unit (or units), personal liability, legal aid, and your personal property.<\/p>\n\t\t\t\t\tDo I need to consider Flood and Earthquake Insurance?\t\t\t\t\n\t\t\t\t\t<p>Yes. The area your rental property is in will play a large role in the coverage you need. For example, if you live in an extremely dry area, you do not need flood insurance. But, if you live on the coast, you may want to make sure you are protected in the event of a flood. Damage from earthquakes is also something to consider. Any type of potential disaster related to the area your rental property is located is what you need to consider.<\/p>\n\t\t\t<a href=\"tel:+18004006886\" role=\"button\" target=\"_self\" title=\"Call for Quote\" alt=\"Call for Quote\" onclick=\"\" rel=\"noopener\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tCall 1-800-400-6886\n\t\t\t\t\t\t\t<\/a>\n\t\t\t<a href=\"https:\/\/pinecrestinsurance.com\/contact\/\" role=\"button\" target=\"_self\" title=\"Call for Quote\" alt=\"Call for Quote\" onclick=\"\" rel=\"noopener\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tGet Quote\n\t\t\t\t\t\t\t<\/a>\n\n","protected":false},"excerpt":{"rendered":"<p>Landlord Property Insurance If you are renting out your property, your\u00a0homeowners insurance\u00a0will not cover you. Instead, you will need a comprehensive landlord rental property policy. You should view your property as a business and landlord\u00a0insurance\u00a0as a necessary investment to keep your business running smoothly.\u00a0\u00a0There are many responsibilities to being a landlord. One of the most &#8230; <a title=\"Landlord Property\" class=\"read-more\" href=\"https:\/\/pinecrestinsurance.com\/products\/landlord-property-insurance\/\" aria-label=\"Read more about Landlord Property\">Read more<\/a><\/p>\n","protected":false},"author":2,"featured_media":151,"parent":36,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/pages\/210"}],"collection":[{"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/comments?post=210"}],"version-history":[{"count":0,"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/pages\/210\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/pages\/36"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/media\/151"}],"wp:attachment":[{"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/media?parent=210"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}