Owning a rental property is a significant investment that comes with its own set of challenges. We offer rental property insurance solutions designed to protect your investment and give you peace of mind.
Protect your investment against damage from fire, storms, theft, and vandalism.
With this coverage, you can confidently manage your property, knowing you're protected against the unexpected.
Liability Coverage
In the property rental business, accidents can happen.
Our Liability Coverage protects you from the financial fallout of legal liabilities if a tenant or visitor is injured on your property.
Loss of Rental Income
Protect your cash flow with our Loss of Rental Income coverage, which ensures you continue to receive rental payments if your property becomes uninhabitable due to a covered loss.
Customizable Options
Every property is unique, and your insurance should reflect that.
Choose from customizable options such as flood insurance, or equipment breakdown protection, or replacement costs for essential systems.
Affordable Rental Property Insurance in gig harbor
Protect Your Rental Property Today
Don’t let unforeseen events jeopardize your investment. Schedule a consultation today to explore how we can help secure your rental property’s future.
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Step 1
Reach Out to Us
Contact us via phone, email, or our website to schedule a free, no-obligation consultation.
Step 2
Review Your Customized Quote
Receive recommended plans tailored to your specific needs.
Step 3
Select Your Plan
Choose the insurance solutions that best fit your requirements and enjoy peace of mind knowing you're protected.
Step 4
Ongoing Support
We offer ongoing support and proactive advice, adjusting your coverage as your circumstances evolve.
Frequently Asked Questions
Can’t find the answer you’re looking for? Reach out to our customer support team.
What is rental property insurance, and why do I need it?
Rental property insurance, also known as landlord insurance, provides coverage for property owners who rent out their homes, apartments, or other dwellings. It protects against risks such as property damage, liability claims, and loss of rental income.
What does rental property insurance typically cover?
Coverage typically includes the physical structure of the rental property, liability protection, loss of rental income, and sometimes landlord furnishings if provided as part of the rental.
How is rental property insurance different from homeowners insurance?
While homeowners insurance covers owner-occupied homes, rental property insurance is designed for properties rented to tenants. It provides additional coverage for landlord-specific risks, like loss of rental income and increased liability.
What factors affect the cost of rental property insurance?
Factors include the location, size, and condition of the property, the number of rental units, coverage limits, and the presence of safety features. We work with you to find competitive rates tailored to your investment needs.
Does rental property insurance cover tenant-caused damage?
While rental property insurance covers accidental damage, it may not cover intentional damage caused by tenants. We recommend requiring tenants to carry renters insurance to cover their personal belongings and additional liabilities.
What should I do if I need to file a claim on my rental property?
Contact us immediately if you need to file a claim. We’ll guide you through the process, assisting with documentation and facilitating communication with the insurance provider to ensure a smooth resolution.
Does rental property insurance cover loss of rental income?
Yes, many policies include loss of rental income coverage, which compensates you for lost rent if your property becomes uninhabitable due to a covered event.
Can I get a discount on rental property insurance?
Yes, discounts may be available for safety features, multiple policies, and maintaining a claims-free history. Ask us about potential savings on your policy.
Why choose Troy Johnson Insurance for my rental property coverage?
As part of the local community, we offer personalized service, local expertise, and a commitment to understanding your unique investment needs. Trust us to provide comprehensive protection with a personal touch.
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