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AAA : Insurance : Rental Property Insurance
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Rental Property Insurance
As a landlord, you have a substantial investment in the property you rent to others - and little control over the physical damage that can happen to it. AAA, through an alliance with Balboa Insurance Co., offers you high quality rental property insurance featuring protection against fire, vandalism and most other physical losses. Need a quick answer to a question about rental
property insurance? Go to Rental Property Insurance FAQs . Need information about handling a rental
property claim? Call 1-888-768-2096, 24 hours a day.
You can request a free, no-obligation quote tailored to your needs.
Some information you may need to provide:
. Square footage of dwelling
. Year built
. Current insurance carrier
. Policy expiration date
The Basic Plan
The standard plan is a Dwelling Fire policy, which provides protection for your residential rental properties and structures attached to them from most direct physical losses (except those specifically excluded in the policy). Other structures on your property, such as a detached garage or shed, are also covered, but are subject to separate limits.
When repairing or rebuilding your rental property after a covered loss, you may find that local ordinances require upgraded materials. You'll receive up to 10% of the coverage limit on your dwelling for these expenses.
Insurance For Your Rental Income
One important feature of the Dwelling Fire policy is financial protection. If a covered loss makes your property uninhabitable, you'll receive coverage for lost rents, up to 10% of the amount of coverage on the dwelling.
Customize Your Policy
Because your insurance needs may be different from those of other investment property owners, we make these endorsements and optional coverages available with a choice of deductibles and
increased limits for specific items:
. Extended Replacement Cost coverage adds up to 150% of
coverage above your stated policy limit
. Non-Owner Occupied Residence Liability provides premises
liability coverage on your rental property
. Rented Condominium coverage insures parts of the building not
typically covered through the association or property owners agreement
. Loss Assessment coverage provides protection if you are a
member of a property owners association
. Personal Property coverage up
to $5,000 for your furnishings and appliances located at your rental property
Discounts
If you qualify, you can reduce your premium by taking advantage of the following
discounts:
Central Fire Alarm Discount
We will deduct 10% from your premium if you have a fire alarm that alerts either
a central reporting station or the fire department directly.
Smoke, Fire & Safety Device Discount
If you have a smoke/fire alarm, fire extinguishers and deadbolt locks, you can
save 2% off your premium. And if you have a residential sprinkler system, you can save an additional
5%.
New Home Discount
If your dwelling was built during the past eight years, you can qualify for this discount.
These summary descriptions are not a contract, and are intended solely to inform you about the features of
rental property insurance. The actual insurance policy determines exact obligations. AAA provides Dwelling
Fire Insurance underwritten by Balboa Life & Casualty Group.
Other points of interest
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AAA : Insurance : Rental Property Insurance FAQs
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Rental Property Insurance FAQs
These are the questions we're asked most often about buying rental property insurance and choosing the right coverage. Click on a question to get the answer from AAA's insurance professionals.
Rental Property Insurance FAQ
If my house is damaged by a fire and my tenants are forced to move out, would I
be able to re-coup the lost income?
Would my rental property be covered from floods and/or earthquakes?
Does this insurance policy provide coverage for the appliances that I provide
for my tenants?
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INSURANCE
You are never through shopping
for Rental Property Insurance
Also see: Tenant's Insurance
Property owners have a responsibility
to preserve their property, neighborhoods, and to protect tenants, their guests, and the
public from harm. Owners and managers must evaluate their risks on a regular basis to
determine their possible liability and financial loss, then carry the appropriate
insurance to deal with the liability and property damage risks.
A well-designed and thought out
insurance package can protect rental property and managers from losses caused by many
types of perils, including fire, storms, burglary and vandalism. (Earthquake and flood
insurance are typically separate.) A comprehensive policy will also include liability
insurance, covering injuries or losses suffered by others as the result of defective
conditions on the property. Equally important, liability insurance covers the cost
of defending personal injury lawsuits. (lawyer's bills)
RHOL was recently contacted by a member in Idaho who is a real estate
broker. He had listed a property for sale for an owner who had left the state. While
waiting for the property to sell, the owner asked the broker to rent the home for him if
he could. The broker did so. Additional liability insurance never crossed his mind. Real
estate agents perform similar services all the time.
The tenant slipped on a stairway that lacked a proper hand rail and
cracked her foot, so she sued both the owner and the broker. The owner had liability
coverage under his homeowner's policy. A real estate broker usually carries Errors
and Omissions insurance, and liability insurance on any property they own or lease.
However, the broker was not covered for an accident in a listed property; not even
coverage for an attorney to defend him. Whether the broker is liable is questionable,
however it will cost thousands in attorney fees to find out. The plaintiff's lawyers know
they have caught the broker defenseless.
Landlords
and property managers must always carry enough
insurance to provide legal protection, at the very least.
Buying
Insurance is an Ongoing Process
Let's look first at the
problems facing mom and pop landlords with just a few rental properties. A typical
homeowner's insurance policy includes $300,000 to $500,000 in liability. Some of them will
still allow a small landlord to extend that liability coverage up to a maximum of five
rentals. Beyond that, it is necessary to purchase separate liability insurance along with
the property insurance on each property. There is not any company we know of that will
write a blanket insurance policy across multiple properties. Each four unit or less
building must be written separately. When an investor gets beyond four or five properties,
they are often seen as a fat-cat target and should consider a business liability insurance
package as well; sometimes that can be done by using an umbrella policy.
Insurance companies continually evaluate their exposure and target the areas of the
casualty business where they think they need to increase, or decrease business, to better
balance their risk. As a result, the insurance business is in a constant state of
change. We have experienced huge annual savings by shopping for the company that wants our
type of business at the moment. However, the company's claims service must be considered
along with price.
For some years Insurance had a good policy targeted to the mom and pop
landlord. It was reasonably priced, covered the likely risks and included loss of rents.
Then, about ten years ago, Allstate went out after the commercial property and landlord
business. They introduced a one to four unit small landlord policy targeted to rental
housing less that fifty years old, or that had been substantially renovated and updated.
The policy was very comprehensive and included $300,000 in liability coverage. It saved
landlords about 30 percent over most of their competitors. They also saved owners
thousands on a typical multifamily policy.
Over the years the policy costs have gone up and the coverage has been decreased. Perhaps
because of higher than expected losses that have included some related to lead-based
paint. Allstate, and others, have also begun mandatory inspections that even include the
interior of rental property before they will bind coverage. In some states, like
Indiana, they now require a satisfactory credit report on the insured as well. Insurance
companies are screening out and refusing to insure high risk landlords, much like
landlords must screen for high risk tenants.
The bottom line is: property owners and
managers are never through shopping for insurance. They should always be evaluating risks
and seeking quotes from several companies, looking for the one that wants their business
at the moment the most. As we learned from the misfortune of our Idaho broker member, we
must also be aware of our potential liability in every thing we do.
Here are a few tips on
choosing insurance:
Carry sufficient coverage to protect the value of the property and
assets.
Make sure the policy covers not only physical injury but also
mentions libel, slander, discrimination, unlawful and retaliatory eviction and evasion of
privacy suffered by tenants and their guests.
Carry liability insurance on all vehicles used for business purposes,
including any employee's car or truck if it will be used for your business.
Unfortunately, many
companies no longer want small landlord business and you may find it more and more
difficult to buy adequate insurance at an affordable price.
However, we may have some good news. One of our members is collecting information from
landlords like you. They intend to create insurance specifically designed to meet our
needs. Please help them, and all of us, by reading their few short comments, then
participating in the study
Insurance Links:
Flood
Insurance Agency is a premium provider of flood insurance representing Bankers Insurance Company , the
largest independent agency writer of flood insurance in America.
Insurance News Network
We now have an extensive section on buying
insurance and managing rental housing risks and liability in RHOL member's pages.
April 04, 2002
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For Landlords: Rental Property Insurance
FOR LANDLORDS: RENTAL PROPERTY INSURANCE
If you rent out property, you need landlord's insurance. Often, ordinary homeowner's insurance does not cover rental property, even if your own residence is in the same building.
Our Dwelling Fire-Plus Policy wraps up all your important rental property insurance needs with one comprehensive and affordable program.
Our standard policy includes coverage for your Primary Dwelling. Your rental property is protected against fire, windstorm, and other perils specified in your policy.
Other Structures: Detached garages or carports, service structures, and other structures on the property are also protected.
Personal Property Protection covers personal property you keep at the rental location-such as appliances you provide for your tenants' use.
Loss of Rental Income: To protect the profitability of your rental property, Dwelling Fire-Plus also pays you for loss of rental income, up to a limit.
Optional Coverage:
You may also request coverage for other costs that could arise if your rental unit was burned or damaged:
Personal Property of Others
Tenants Relocation Expense
Fire Department Service Charge (where applicable)
Liability for injury or damage to others
Rental Property Tip:
Statistics show there is higher risk of accidents in rental property than in your own home. Are you adequately insured? Ask your Citizens or Hanover agent about a Dwelling Fire Policy.
Consumer Safety Tips
For valuable consumer safety tips, Click here.
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Note: This web page is not an insurance policy. Please consult your individual policy for deductibles, definitions, exclusions, and limitations of coverage.
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