Landlord Coverage

Property coverages
• Dwelling, attached structures and separate structures are covered for almost any type of damage except common exclusions such as wear and tear, earth movement, earthquake and flooding.
• Separate Structures are covered up to 10 percent of the replacement cost of the rental property.

Personal property
• Coverage up to 5 percent of the replacement cost of the rental property. Higher amounts available by endorsement.
• Coverage is on a named peril basis meaning only losses resulting from reasons listed in the policy are covered.

Loss of rents
• If your property is unlivable due to a covered loss, coverage is provided for the lost rental income.
• Coverage is provided until the property is made livable — up to 12 months.