A Special Landlord’s Insurance Policy for Your Rental
Single-family home, duplex, 2-on-1, tri-plex, four-plex, condo, townhouse or an apartment building. If you are renting it out, you need special insurance – and a standard homeowners insurance policy just won’t cut it. Save money with a landlord insurance policy shopped with multiple California carriers.
The Dwelling Fire Policy Protection that You Need
Core Landlord Insurance Coverages
- Dwelling Protection
- Personal Property
- Premises Liability
- Guest Medical
- Additional Living Expenses
Great Landlord Insurance Coverage Options
- Extended Replacement Cost
- Building Ordinance & Law Coverage
- Personal Injury Coverage
- Loss Assessment Coverage
- Extended Liability
Coverages vary from insurance company to insurance company. We help you through the maze of getting the best value in landlords rental property insurance protection.
Do You Have Enough Coverage to Rebuild Your Rental Property?
We take this dwelling insurance issue to heart, and work with you to explain your options, so you understand exactly what you have. And we do our homework to try to make sure that you have enough coverage, always helping you to find the fine line of not being under or over insured.
Difficulties in Getting Coverage for Your Rental
The biggest difficulty in obtaining rental property insurance is that the majority of insurance companies require that you insure your primary home with them in order to get a Landlord’s Rental Property Policy.
McKenna Insurance Services can help. Not only do we have multiple insurance carriers that will insure your rental without insuring your primary dwelling, but we usually can get you better coverage for less money than you could get elsewhere.
Why Can’t I Just Get A Regular Homeowners Policy?
Right off-the-bat, the answer is that insurance company underwriting guidelines don’t allow it – and for good reason. The standard homeowners insurance policy was designed to cover the risks of a home owner that resides in the insured property.
One of the biggest reasons to get a Dwelling Fire Policy (Landlord’s) is that there is no liability coverage under a standard homeowners insurance policy when the dwelling is rented out on a full time basis. Ouch – this difference alone can create some huge liability risks that we’re sure nobody would want to knowingly retain.