Protection for your investment.
Rental property insurance for Missouri residents.
Don’t be fooled, just because your tenant has rental insurance doesn’t mean that you—the owner—are protected. Rental property insurance is specially designed to cover the risks faced when you rent your property to others.
The policy every property owner needs when renting.
Rental property insurance is a specialty home insurance policy for the property owner rather than the tenant. It’s similar to a homeowners policy but is designed to account for the differing risks that you face when you rent a property rather than live in it yourself.
What does rental property insurance cover?
In addition to the damage to the building itself and your personal property (such as included furniture), a rental property policy often covers lost income if property damaged means you can’t rent it out for a period. The policy will also often include coverage for liability you might face if a tenant sues over injury suffered in the property.
Covers the risks involved with renting out a property.
Other covered risks can include any costs you have to pay to move a tenant in or out of the property during repairs and any compensation you have to pay to a tenant if damage puts heating or air conditioning out of action.
What’s not covered by a rental property policy.
One point to watch is the fact that policies usually don’t cover loss of income if a tenant fails to make rent payments or the costs of evicting a tenant if necessary.
If you’ve got any questions on rental property insurance or want to find the best policy, contact us today.
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