Landlord Insurance
Landlord Insurance that protects your property—so you can protect your tenants.
Being a landlord comes with risks—tenant injuries, property damage, liability claims, and unexpected repairs. Having the right insurance isn’t just a safety net—it’s essential protection for your property, your income, and your peace of mind. 22 Crowns Insurance Agency provides tailored coverage that keeps your rentals protected at the best possible value.
1. What is landlord insurance?
Landlord insurance protects rental property owners from risks like property damage, tenant injuries, liability claims, and loss of rental income.
2. Why do I need landlord insurance?
Being a landlord comes with risks. Insurance ensures your property, income, and tenants are protected against unexpected events.
3. What does a typical landlord policy cover?
Coverage usually includes the building structure, business personal property, liability protection, and loss of rental income due to covered events.
4. Does landlord insurance cover tenant damage?
Most standard policies do not cover intentional tenant damage, but additional coverage options may be available to protect against this risk.
5. How is landlord insurance different from homeowners insurance?
Homeowners insurance is designed for owner-occupied properties, while landlord insurance specifically protects rental properties, rental income, and liability risks associated with tenants.
6. Can I insure multiple rental properties under one policy?
Yes. Many insurers offer multi-property or portfolio coverage, which can simplify management and provide cost savings.
7. Does landlord insurance cover natural disasters?
Coverage depends on the policy. Standard policies often include fire, storm, and vandalism, but you may need additional coverage for earthquakes, floods, or other specific risks.
8. How is liability coverage included in landlord insurance?
Liability coverage protects you if a tenant, visitor, or contractor is injured on your property and files a claim against you.
9. How can I lower my landlord insurance premiums?
Maintaining your property, installing security devices, and bundling policies with the same insurer can help reduce premiums.
10. How can 22 Crowns help with landlord insurance?
We compare top carriers and tailor coverage to fit your property and business needs. We handle the details so you can focus on managing your rentals with confidence.
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