Landlord Protector/Rental Property

A Package of Protection for Landlords

Do you own a one- or two-family dwelling which you rent to others? Then this package of protection is tailored to your needs.

The following is a general description of the package and is not a policy contract The policy itself should be read for your actual coverages and exclusions.

Real Property Covered

YOUR HOUSE AND ANY SEPARATE STRUCTURES on the residence premises, used principally as a private rental residence, are covered for almost any type of damage. A few common exclusions are listed in the policy such as wear and tear, earth movement (including earthquake), flood, and nuclear hazard.

YOUR HOUSE, rented to others, including attached structures and wall-to-wall carpeting, is covered up to the limit you select.

SEPARATE STRUCTURES on your rental property, such as a detached garage or toolshed, are covered up to 10% of the amount of coverage on your house. Optional higher amounts are available. Separate structures used for manufacturing, commercial or farming purposes are not covered by this policy.

Personal Property Covered

Your personal property, rented with the rental dwelling, is covered for up to 5% of the amount of coverage on your rental dwelling while it is at the insured location. Optional higher amounts of coverage are available.

Your personal property at the rental dwelling is covered for a loss by the following perils:

  • Fire or Lightning
  • Vehicles
  • Windstorm or Hail
  • Riot or Civil Commotion
  • Explosion
  • Vandalism
  • Weight of ice, snow or sleet
  • Glass Breakage
  • Falling Objects
  • Collapse of Building
  • Aircraft
  • Theft
  • Freezing of a plumbing, heating, air conditioning system or household appliance
  • Smoke, if sudden and accidental
  • Sudden and accidental damage from artificially generated electrical current (Does not include loss to tubes or transistors.)
  • Sudden and accidental discharge of water or steam from a plumbing, heating or air conditioning system, or household appliance

Additional Coverages

TREES, SHRUBS, PLANTS AND LAWNS ... Pays up to an additional 5% of the amount of coverage on the residence premises, but not more than $500 per item, for loss by Fire or Lightning, Explosion, Riot or Civil Commotion, Aircraft, Vehicles not owned or operated by a resident of the residence premises, Vandalism, and Theft.

LOSS OF RENTS ... If, after a covered loss, your house, rented to others, is unfit to live in, we cover the loss of rents. We pay for the shortest time needed to make the rental liveable, not to exceed 12 months.

FIRE DEPARTMENT SERVICE CHARGE (not available in Arizona) ... Pays up to $500 as an additional amount of coverage, with no deductible, for service charges made by a fire'department.

DEBRIS REMOVAL ... Pays up to an additional 5% of the amount of coverage on the residence premises for reasonable debris removal expenses following a covered loss.

Liability Coverages

EXPENSES ... Pays expenses in a suit we defend on your behalf, such as court costs, attorney fees, investigator fees, expense of witnesses and witness fees. Also pays expenses you incur at Farmers' request, including up to $60 a day for actual loss of wages. And, in addition, this policy pays the premium on appeal bonds, bonds to release attachments, and the cost of bail bonds.

EMERGENCY FIRST AID ... Pays for necessary medical expenses incurred by other people at the time of an occurrence covered by this policy.

BUSINESS LIABILITY ... Pays for damages from an occurrence because of bodily injury, personal injury or property damage arising out of the ownership, maintenance or use of the rental dwelling covered by this policy.

If you would like more information on our landlord protector/rental property insurance policies or if you have any questions, please contact us.

Back to Home!
Email Us!
© Copyright 1999 - Dunne Insurance Agency