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If you own rental home property, you understand occupancy is key to making money. However, each tenant can pose unique risks that go beyond a typical homeowners insurance policy.
Many residential landlords may assume certain incidents that happen on their rental properties are covered by their homeowners policy — but this is not usually the case. Most homeowners policies will not provide coverage if the named insured is not occupying the property, and the renter’s insurance your tenant may have secured won’t cover your liability as the property owner.
Rental property insurance is designed specifically to protect landlords and their interests on leased premises, including injury or even loss of life.
Landlord insurance can also include coverage that would replace lost rental income if a covered incident occurred, including: