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Do Your Rental Habits Require You To Have Landlord Insurance?

Little & Sons Insurance Group / Personal Insurance  / Do Your Rental Habits Require You To Have Landlord Insurance?

Do Your Rental Habits Require You To Have Landlord Insurance?

Calimesa Landlord Protection for Renting out your HomeRenting out your home is a great way to earn some extra income without having to put much effort into the transaction. However, many individuals who rent out homes wrongly assume that the protection can be found through their homeowners’ insurance policy.

Depending on your particular rental habits, you may actually need a separate landlord insurance policy in order to receive protection. The last thing you want is for the renters enjoying your home to file a liability claim and your insurance provider to refuse coverage. This is a very common occurrence since many homeowners do not view renting out their house as a landlord business. However, unpleasant surprises arise when these unsuspecting homeowners attempt to file a claim and the insurance provider denies the request or drops coverage altogether.

If you plan on renting out your home or vacation property for an extended period of time, you will need a landlord insurance policy for protection. However, if you are the main occupant of the property and only plan to rent out your home for a special occasion, your homeowners’ insurance coverage will extend for such instances.

However, those renting out their homes for extended periods of time need landlord protection. Being a “landlord” presents you with unique liability risks that the typical homeowner is not faced with. Since property damage and liability claim risks are heightened when you regularly rent out your property, you must have a landlord insurance policy that safeguards your assets.

Contact Little & Sons Insurance Services for all of your California homeowners’ insurance needs. We will help determine if you need a landlord insurance policy for your rental endeavors, and provide you and your tenants with the protection you all deserve.

Little & Sons Insurance Services

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Little and Sons Insurance Services is your complete insurance resource. Since we were established in 1922, we assist individuals and business owners with all of their insurance needs, whether it be for auto, home, or commercial insurance. As an independent, full-service insurance agency, our duty is to our clients’ best interests.

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After 23 Years of serving our clients at our location in Beaumont, CA it is with a heavy heart that we are consolidating our operations to our Banning Office. We will be available all the same hours and will work to make this transition as smooth as possible. Thank you for your continued business and we look forward continuing to serve your insurance needs. Our contact information will stay the same so feel free to contact us.

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