Landlords


Protection that helps fit your unique needs as a landlord.

There are many areas where a landlord needs coverage that goes beyond what other policies may provide. Allstates’ Landlords’ Package Policy includes the following insurance protection.


Building
Coverage Description: Protects against covered loss to your building caused by many events, except those specifically limited or excluded from policy.
Examples of covered losses
  1. Fire

  2. Lightning

  3. Falling objects

  4. Smoke

  5. Explosion

  6. Wind and hail

  7. Damage by aircraft

  8. Damage by vehicle

  9. Freezing of plumbing, heating, or air conditioning systems, or household appliances

  10. Collapse of building from weight of ice, snow, or sleet

  11. Building glass breakage



Personal Property
Coverage Description: Provides you with “Named Peril” coverage on most personal property rented with the premises or used to service the building. This means the policy helps insure against sources of loss that are listed on the policy, including the following:
Examples of covered losses
  1. Fire
  2. Lightning
  3. Falling objects
  4. Smoke
  5. Explosion
  6. Wind and hail
  7. Damage by aircraft
  8. Damage by vehicle
  9. Freezing of plumbing, heating, or air conditioning systems, or household appliances
  10. Civil commotion
  11. Collapse of building from weight of ice, snow, or sleet
  12. Electrical current variances (with certain exceptions)
  13. Riot
  14. Breakage of glass


Liability
Coverage Description: Provides protection against non-auto liability claims brought by others for injury or property damage occurring on the insured premises
Examples of covered losses:
  1. Emergency first aid
  2. Bodily injury and property damage lawsuits/liability defense costs


Premises Medical Protection
Coverage Description: Covers medical expenses of visitors who are injured in accidents on your property
Examples pf covered losses:
  1. Injuries arising from conditions on property


Fair rental income
Coverage Description: Provides compensation for lost rental income    
Examples of covered losses:
  1. 12-months lost rent

Renters Insurance


Renting a home or apartment often requires you to purchase renters’ insurance. It’s important to understand the coverage that most renters’ insurance policies provide. Many renters discover too late that the policy they have doesn’t cover items like damage caused from a natural disaster like flood. Our policy extends coverage to animals of certain breeds.

A standard renters’ insurance policy pays your losses caused by explosion, falling objects, fire/smoke, hail, lightning, theft, vandalism, water damage from burst pipes and wind. In addition, the medical expenses of anyone injured on your property are paid for through your insurance policy coverage. Should you have to relocate while your rental unit is being repaired, the insurance company will pay for your new living arrangements.

If your apartment or rental home is near a river or in an area prone to flooding, you may want to carry flood insurance. While your landlord would be required to pay for damages caused to the building in a flood, any of your personal property ruined in a flood is not covered by your renters’ insurance. The additional coverage will help replace items ruined by flood waters, like your electronics and clothing.

Our agents will help you find renters’ insurance that fits your budget and your needs. Call us today for more information.

​We will provide you with a professional review of your insurance needs at no cost or obligation.​

Professional:

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Investing in your own home is a major life step. It makes sense to protect yourself and your home against the unexpected. Homeowner’s insurance covers every detail should your home be destroyed by fire, vandalism or another unexpected situation.


Not only does home insurance pay to have your home repaired or rebuilt, but it also helps you replace personal belongings that were destroyed during the disaster. Insurance pays for replacement items like clothing, jewelry and electronic equipment. While your home is undergoing construction or repairs, homeowner’s insurance pays for your hotel or rental accommodations.

Visitors to your home are covered by home insurance as well. If someone is on your property and becomes injured somehow, liability coverage will pay their medical bills. This insurance coverage covers you in lawsuits related to your property.

Damage to a home by an earthquake or flood are generally not covered by a standard homeowner’s insurance policy. Never overlook these additional coverages, especially if you live near a water source or in an area prone to earthquake activity.

When you take out a mortgage or refinance your home, the mortgage company or bank will require you to purchase homeowner’s insurance protection. Our agents work with you to ensure you have the coverage your financial institution requires and that meets your specific needs.



Our office provides a number of homeowner’s insurance options, including:


  • Home Owners
  • Condo
  • Renters
  • Mobile Home
  • Landlord


It’s crucial to make sure your home is protected in the event of an emergency. Damages to a home impact you emotionally, so it’s important to have peace of mind financially.

Home Insurance

Claims:

Payment Plans:

​Our programs are flexible and understanding of customer needs. They include monthly automatic deductions from checking, online at our website, credit card and Check-By Phone

​Allstate offers 24 – hour claim service. Call our office for assistance: (802) 862 2322