Rental Property Insurance

 

We’ve built our apartment insurance around your specific risks and needs. So whether your duplex suffers from roof damage, your employees at the condominium require worker’s compensation, or your rental office is damaged and paperwork is lost, we’re here to help you solve the issue and get back to maintaining homes for your tenants.

Take a look at what our Rental Property Insurance covers, and should you need something a little more specific, like increasing limits or adding the following just ask your agent.

Worker’s Compensation (where available) – typically covers injuries or illnesses that occur as a result of duties performed on the job or while at work.

Umbrella Liability – provides additional liability protection over the primary liability insurance.

Business Income-Actual Loss Sustained – provides coverage for loss of business income due to interruptions such as power outages or natural disasters.

Glass – standard for most businesses, but others may want to increase limits to protect large exterior or decorative glass.

Signs – typically applies to illuminated signs, but can cover others as well.

Crime – typically covers forgery, improper funds transfers, computer fraud, counterfeiting, and more.

Liquor Liability (where available) – provides coverage for lawsuits, settlements, and more that arise due to damages or injuries caused by an intoxicated person.

Inland Marine – protects your property during transit and the property of others at your location or in transit to or from your business.

Our Property Enhancement endorsement provides the following extensions for your rental property:

 Limit
Antennas, Awning, Canopies, Fences & Signs$10,000
Increased Costs - Ordinance or Law$30,000
Personal Effects$5,000
Personal Property of Others$20,000
Property in Transit$10,000
Valuable Papers$20,000
Trees, Shrubs & Plants$2,500

Our Property Enhancement endorsement provides the following special coverages for your rental property:

 Limit
Accounts Receivable$20,000
Money & Securities$5,000
Backup of Sewers & Drains$20,000
Recharging of Extinguishing System$5,000
Foundations, Retaining Walls, Piling,
Piers, Wharves or Docks
$5,000
Glass BreakageFull Coverage