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Home insurance protects your home against damage or accidents. Landlord insurance covers you for the same things, but a comprehensive policy can also protect you against a host of other problems.
A typical home insurance policy won’t cover you if you rent the house or apartment out. A landlord policy will cover renters, and it covers everything normal home insurance does along with extra protection for problems unique to landlords.
Like home insurance, landlord insurance covers damage to your building. If you choose to add personal property coverage, it’ll also cover any belongings you keep in the home — but it won’t cover your tenants’ belongings.
Most landlord insurance policies offer protection against:
You may also be able to add on additional coverage for:
Coverage will vary from policy to policy, and a lot of insurance options are add-ons. But a premium policy can cover:
|Type of damage or loss||Landlord insurance||Home insurance|
|Liability for injuries|
|Liability for wrongful eviction or unlawful entry|
|Loss of rental income|
|Malicious damage by tenant|
As a landlord, there are three areas you need to protect: your building, the belongings that you keep in the building and your rental income from that investment. Here’s how to make sure you have the best landlord coverage:
If you rent a home or apartment out to tenants, a home insurance policy won’t cover you. Compare landlord insurance policies to find one that offers coverage that fits your needs and budget.
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