Land Lord Rental Insurance
Landlord insurance doesn’t just cover the basics. It goes above and beyond, offering protection for the unique risks you face as a property owner. From covering physical damage to your rental home, to safeguarding your rental income if your property is damaged and can’t be leased, we’ve got you covered.
Dwelling Coverage
If your property is damaged by fire, wind, or other covered risks, your policy will cover repairs.
Other Structures
This covers things like fences, detached garages, and other structures on your property.
Personal Property
Got tools, lawn equipment, or appliances you use to maintain your rental? If they’re damaged, your insurance has you covered.
Liability Protection
In case someone gets hurt on your property and sues, your policy will help with legal expenses.
Loss of Rental Income
If a covered event like a fire makes the property uninhabitable, this coverage helps replace lost rental income.
Theft Protection
Reimbursements for stolen property like lawn equipment or maintenance tools.
As a property owner, you have enough on your plate. Our job is to make sure your rental property is fully protected so you can rent it out without worrying about the unexpected. Whether you own a single property or manage multiple rentals, we tailor our policies to meet your specific needs. Plus, if you’re financing the property, most lenders require landlord insurance, so it’s a smart move no matter what.
Your auto insurance premium is determined by a combination of factors, including your driving history, the type of coverage you select, the make and model of your vehicle, your location, and even your credit score. Safer drivers with clean records typically pay lower premiums, while high-risk drivers may face higher rates. The specific details can vary between insurance companies, so it's essential to discuss your unique circumstances with one of our experienced agents to get an accurate quote tailored to your needs.
Yes, you can usually add additional drivers to your auto insurance policy. This can include family members, friends, or other individuals who regularly drive your vehicle. However, it's essential to provide accurate information about all drivers and their driving history when adding them to your policy.Keep in mind that adding drivers with a poor driving record or a history of accidents may increase your insurance premium. Conversely, adding experienced, safe drivers can sometimes lead to lower rates.
If you lend your car to someone and they have an accident, typically your auto insurance policy would be the primary coverage in most cases. Insurance typically follows the car, not the driver. So, your insurance would likely be responsible for covering the damages to your vehicle and any liability associated with the accident.However, it's essential to check your policy and consult with your insurance provider because coverage can vary. Some policies may exclude certain drivers or have restrictions on who can use your vehicle. Additionally, if the person borrowing your car has their own auto insurance, their policy might provide secondary coverage.
Car insurance often isn’t cheap, but you can cut costs by getting a discount. There are auto insurance discounts for a variety of reasons, including owning a home, driving safely and getting good grades.
The most common types of discounts you can get are for:
Early shopping.
Driver history.
Employment, Education and Group Affiliations.
Vehicle features.
Personal traits.
Customer loyalty.
Multiple policy customers.