Landlord Protection

Landlord policies protect the future of your investment in your Rental Property. Whether single Family Residence or Duplexes, Quads and Apartment Buildings, we can cover them! Let us protect you from the risks of being a property owner.

You can also add supplemental coverage:

Furnishings, Decorations, Custom Woodwork, and more
Sewage-Water Backup/Water Damage
Umbrella policies (additional liability) to protect your assets
Second Home/Vacation Home-Cabin

Damage due to Fire, Wind, Water
Vandalism & Malicious Mischief
Replacement cost Property
Loss of Income
Liability for property and guests

Landlord Insurance

Property Insurance alone doesn't cover the risks of Rental Properties. Landlords require specialized protection for their assets as well as their properties.

Vandalism
You may want optional coverage to help you pay to repair vandalism damage. If your property is vandalized, that type of damage typically isn't covered by a traditional landlord policy unless you purchase vandalism coverage.
Burglary
While a standard landlord insurance policy may help pay to repair your home if it's damaged in a break-in, it typically won't pay to replace stolen items. Optional coverage may be available for theft of items you keep on the property to help maintain it, such as appliances or a lawnmower.
Rental property under construction
Are you gutting or renovating your rental or building a new dwelling? You may be able to purchase additional coverage to help protect the structure until it's ready to be occupied.
Building codes
If you're repairing or replacing part of your rental after it's been damaged, you could be legally required to upgrade items like wiring or ventilation. This is because city or county codes may have changed since your property was originally built. This coverage may help reimburse you for those additional costs.

Volcanic eruption
Falling objects
Weight of ice, snow or sleet
Malfunctioning plumbing, heating, air-conditioning, fire-protective sprinkler system or household appliance: accidental discharge or overflow of water or steam; sudden and accidental tearing apart, cracking, burning or bulging; or freezing.
Sudden and accidental damage from artificially generated electrical current

Discounts

We work hard to get our customers the most discounts! Below are some of the types of discounts available with some Homeowners & Renters

Insurance policies:

Multi-Policy Discount—If you have more than one policy with us, you qualify for a multi-policy discount that gets you comprehensive protection and additional savings! That's the benefit of having another policy with the same insurer such as Auto, Life, Condo, Home, Commercial, Umbrella, RV or motorcycle.
Renter's Verification- The more steps you take to to insure quality renter's, the more likely you are to receive a discounted price. Including Credit checks, background checks, Driver's Record/Licensing, Employment, References and more.
Exclusive Group Savings—Our insurers partner with more professional associations like AAA, or AARP for additional savings.
Protective Devices Discount—Save on your Landlord insurance by outfitting your home with protective devices such as smoke alarms, deadbolts, fire extinguishers, fire alarms, burglar alarms or sprinklers.
Insured to Value Discount—When you insure up to 100% of the cost to replace your Rental Property you may receive a discount.
Claims Free Discount—You'll save on a Landlord policy if you have not filed a claim with your previous insurance carrier for five years or more.
Early Shopper Discount—Save on your Landlord insurance when we quote you're coverage 10 days or more before your current policy Renewal or Closing date.
Educational Discounts—Some insurers take into account your education. If you have a 2 Year Certificate, Associates Degree, Bachelor's Degree, Masters, or Doctoral Degree, make sure and let us know!