Protect your property from a range of devastating events including malicious tenant damage and loss of rent.

What is Landlord Insurance?

Landlord Insurance is designed to help cover your property in case of damage, as well as events that result in a loss of income from the tenant. Coverage can include damage by tenants and natural weather events, as well as theft or loss of rent if your tenant defaults and can’t pay the rent.

What does Landlord Insurance cover?

Landlord Insurance is specifically designed to protect landlords from events that can affect their investment (e.g. storm damage to the roof) and from scenarios which can leave them out of pocket (e.g. renters not paying their rent).

Standard landlord insurance policies typically offer protection against:

  • Storm and rainwater damage
  • damage from explosions
  • Fire damage (excluding damage from cigarette smoking, scorching, or melting)
  • water damage
  • Malicious damage and vandalism
  • theft and attempted theft
  • Impact damage (e.g., if a car crashes into the home or a burglar damages it)
  • Lightning damage
  • Earthquake damage
  • Civil unrest and rioting
  • debris removal
  • Escape of liquid (excluding the costs of repairing or replacing the item that leaked)
  • Lease break and loss of rent
  • Legal action against bad tenants
  • Legal liability

Austbrokers trusted Brokers are independent insurance experts who have access to numerous national and international insurers’ policies and the ability to negotiate and secure a cover that’s right for you.

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