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Types of Coverage Available

When considering rental house insurance, it's important to understand the different types of coverage available. Most policies offer:

• Property Damage Coverage: Protects the physical structure of the rental property, including any permanent fixtures and fittings.
• Liability Coverage: Covers legal expenses and damages if a tenant or visitor is injured on your property.
• Loss of Rental Income Coverage: Compensates for lost income if the property is uninhabitable due to a covered event.
• Content Coverage: While tenants are responsible for insuring their belongings, landlords can opt for coverage of any furnishings or appliances provided with the rental.