As a landlord, you want to make sure you protect all your assets in any future event. That is why Armor Insurance Professionals work alongside you to set up a landlord insurance plan that does not just protect your homes, apartments, or condos, but also your future.

 

What can landlord insurance cover?

Landlord insurance will typically cover:

 

  • Property damage: This covers your structures as well as any sheds, garages, fences, swimming pools, appliances, and gardening and maintenance tools.

  • Liability: If someone gets hurt or their property is damaged while on your premises, liability coverage pays for the incurred losses.

 

It may also include optional coverage, such as:

 

  • Loss of income/rent: If an event causes a loss of rent from your tenants, this protects you from losing your income.

  • Workers compensation: If you have a maintenance staff, this covers on-the-job injuries for your employees.

  • Additional natural disaster coverage: Your landlord insurance may not cover all types of storms. You can purchase specific coverage for natural disasters, like floods, for example.

 

Is landlord insurance required?

Landlord insurance is not required by law, but it would be wise to protect all of your assets if you are collecting rent and managing property. Fires, tropical storms, tornadoes, and liability claims can all be covered and will need to be paid for out-of-pocket.

Keep in mind that with Armor Insurance Professionals, you get to personalize your insurance policies to suit your needs and circumstances. As a brokering agency, we can compare prices from different companies for you at no cost. Need help deciding on the right amount of protection that fits in your budget? Get an online quote  now or  speak with a friendly agent to get started!

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