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Rented dwelling insurance, also known as rental property insurance or landlord insurance, protects your rental property from damages and lost earnings from rental income at your rental homes. It offers protection for the structure, your personal property as a landlord, premises liability, and lost rental revenue. To learn more about landlord insurance, don’t hesitate to reach out to your broker.
A landlord is responsible for the insurance of the building, their personal property (appliances, furniture, maintenance equipment, etc.) as well as premises liability insurance. In other words, rented dwelling insurance protects the space in which tenants reside and the personal property and liability of the landlord. On the other hand, tenants are responsible to protect their personal belongings and personal liability, and need to get their own tenant insurance policy, which we also offer at Intact Insurance.
As a landlord, rented dwelling insurance is the right coverage to get for your rental property. It will provide coverage for the building you are renting out, your personal property, your liability and fair rental value. If you also own a home in which you live in it as your principal dwelling, you will need a separate insurance policy to provide coverage for its building, contents and your personal liability. Ask your broker to get more information about homeowners insurance.
Your rented dwelling insurance coverage may be impacted if your rental property is vacant, even for a little time. If your rental property is left unoccupied, reach out to your broker to make sure you have the right coverage. Depending on the duration of the vacancy, you may need to adapt your coverage.
Landlords can insure an entire house or condos under a rented dwelling insurance policy if the investment property is used for residential purposes only. If you would like to insure a commercial property, commercial real estate insurance will provide the right coverage.
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Get the best rented dwelling insurance for your needs with Intact Insurance. Get your rented dwelling insurance by reaching out to your broker today. Our experts are standing by to personalize your coverage.