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RENTAL PROPERTY INSURANCE
The risk is for both you and your insurer when you rent out your home on a full-time basis. You have an increased responsibility for injuries on the property, whether to your tenants or your tenants’ guests.
Insurers also experience more claims on tenant occupied properties because tenants typically don’t care for properties as well as owners would. Renters are less likely to either identify or report maintenance needs.
When you decide to become a landlord, inform your insurer and ask about a specific landlord insurance policy, sometimes known as a dwelling fire policy. Coverage from a basic landlord policy isn’t quite as broad as a homeowners policy, but it includes big risks like fire, wind, theft, and ice damage.
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