Landlord Program

Rental Dwelling “Landlord” Program- Property Investor Programs (We welcome LLC’s)

  • Comprehensive Property Coverage. This means we cover most direct, sudden and accidental physical losses that aren’t specifically excluded in your policy. (fire, explosion, lightning, windstorm and hail damage).
  • Optional Replacement Cost. Purchase Optional Replacement Cost coverage and get a settlement that reflects the cost to replace the damaged items with new property of comparable material and quality, without any deduction for depreciation. In most states, you can receive up to an additional 20% of the amount of insurance for your home if needed to replace your home.
  • Liability Coverage. This provides coverage if you’re found legally responsible for an accident that causes injury or property damage to someone who doesn’t live in your home. It covers costs like their medical bills, lost wages, pain and suffering, and property damage.
  • Actual Cash Value. In the event of a covered loss, this covers the cost to replace or repair your damaged property, with a deduction for depreciation, which reflects the age and condition of your home.
  • Agreed Loss Settlement. If your home is destroyed by an insured loss, you receive the full amount of agreed upon insurance for your home (minus any applicable deductible).  No hassles.
  • Extended Replacement Cost. You can receive an additional 25% of the insured amount, to replace your home! (not available in all states)
  • We also offer choices to help protect you as a landlord:
  • Loss of Rents
  • Liability limits
  • Personal Injury
  • Other Structure
  • Repair Cost
  • Water Damage from Sewers and Drains