LANDLORD'S INSURANCE is a specially designed Insurance Policy-
Do you own a rental building designed for one to four families? You need Landlord's Rental Dwelling insurance.
Unique, expanded property coverage
The needs of a landlord are different from a typical homeowner. That's why our landlord's rental insurance policies provide a broad range of property protection. We cover*:
Your rental building
Other private structures on the property such as a garage or shed
Your personal property. As a landlord, you likely have items that you own -- such as tools, appliances, or furniture -- that are used by your tenants or stored on the rental property. This coverage extends even to items that are out for repair or servicing.
Protection from lawsuits-
One of the biggest risks landlords face is liability for injuries or property damage that happens on a rental property. Java Agency insurance policies include comprehensive liability coverage to protect you from lawsuits for bodily injury or property damage arising from the use of your personal property.
With Medical Payments Coverage, which is included on most of our Landlord policies, we'll even pay up to $5,000 for medical costs if someone is hurt on your rental property. (Higher Coverage May be Available)
Payment for loss of rental income
If you rely on the income from your tenants; you could face significant financial hardships and monetary lsses if you have something happan that makes your rental property unfit to rent. The Java Agency Inc. will find a policy that will pay you for your loss of rental income during the repair or rebuilding up to the limit specified in your policy.