Summary of coverages

Property Damage: Covers damage to the physical structure of the rental property from covered events like fire or storms. Premises Liability: Protects you if someone is injured on your rental property and you are found negligent. This can help pay for legal defense and court judgments. Loss of Rental Income: Covers the rent you would have collected if the property became uninhabitable due to a covered loss (like a fire). Medical Payments: Helps pay for medical costs for someone injured on your property, regardless of fault.

Common Optional Coverages

Vandalism: Covers deliberate damage like graffiti or destruction of property by a tenant. Burglary: Covers replacement of landlord-owned appliances or other equipment in the rental unit. Building Code: Helps pay for the extra costs to bring the property up to current building codes after a major repair is needed due to a covered loss. Non-Occupied Dwelling: Covers a property that is vacant for an extended period, such as during construction or major renovations. Eviction Insurance: Helps cover legal fees associated with evicting a tenant. Contents Coverage: Protects furnishings and other items you provide in a furnished rental.