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Why Landlord Protection Is A Must

Imagine that you just furnished a lovely rental unit and your tenant injures herself while trying to move a mirror you had installed. He is now claiming the injury is your fault, and wants you to pay his medical expenses. This is just one of the various situations that you may experience as a landlord, and is a perfect example of why you must get landlord insurance.


Rental home insurance covers:

  • The actual rental itself. Be sure to describe the specifics of your rental such as the floors, porches so that the insurance company can make a precise estimation of the value of the home.
  • Any personal property that you own in the rental such as a washer, dryer, and refrigerator.
  • Rental income loss that may accompany major damage to the home if it is made unlivable.
  • Landlord liability for accidents that may not be your fault.


Be sure to check up on your rental at least once or twice a year. If you are renting out a single room or basement, demand that the tenant get renter’s insurance of their own so that you have more coverage in the case that they damage the space. If you experience a home disaster, make sure to file a claim immediately with your insurance provider, and make sure you are available when the insurance adjuster comes.


For any other tips or questions about insurance, don’t hesitate to contact Idaho Insurance in Caldwell!

Posted on: June 30th, 2014 at 12:00pm by Idaho Insurance Blogging Team. Filed under: Article Archives
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