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Important Things to Know About Insuring a Rental Property

March 23, 2022

Buying a home and making it your primary residence comes with the task of purchasing homeowners insurance. However, insurance is a bit different when a home is used as a rental property. Here are some important things to know about insuring a rental property.

Liability Protection

Since people will be coming and going in and out of a rental property, it pays to have liability insurance. If someone gets injured on the property, this will protect the owner. This applies to renters and even contractors who may occasionally do some maintenance. Slip and falls are common, but liability insurance will also provide protection in case of a fire. It also does not pay to be cheap when purchasing liability insurance for your rental property. Think of it as an investment that serves to protect your investment. Liability insurance is not very expensive, which makes it wise to load up.

Hurricane Sandy Destruction of coastal homes

Dwelling Insurance

It is common to assume a homeowner’s policy is needed when you own a rental property, but there are differences within the specifics of that policy. For example, a homeowner’s policy protects possessions within the home. Owning a rental property does not always mean owners have to use a policy to protect their valuable possessions. However, the building itself still needs insurance. This is where purchasing dwelling insurance comes into play. This type of insurance will cover the actual building in the event of any damage.

Vacancy Coverage

Not every rental property is always going to be rented. There are some spans of time when those properties are vacant. That provides the chance of vandals going in and causing damage to the place. Insurance companies will attempt to deny claims that are filed without vacancy coverage. One way to ensure that does not happen is to prepare for any unexpected damage while no one is occupying the rental property.

Rental Loss Coverage

If vandalism or an act of nature forces tenants to move out, the right rental loss insurance coverage will see to it that you still receive the equivalent of rental income. This is one more way to get as much money as possible from your insurance company should an unavoidable occurrence force your tenants to move out.

AmeriClaims is ready to stand by your side when you file a claim as we maintain our status as the top public adjuster North Carolina has to offer. We are also considered to be an experienced, top-quality public adjuster throughout Florida, Georgia, and South Carolina who can help with every detail of your claim.

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Previous: Your Guide to Dealing With Storm Damage to Your Home

Recent Blog

  • Important Things to Know About Insuring a Rental Property
  • Your Guide to Dealing With Storm Damage to Your Home
  • You Don’t Have to Accept Cleaning as an Alternative to Replacement on Your Claim
  • What Is Covered Under Your Condo and Townhome Insurance Master Policy
  • How to Prove Your Property Insurance Claim
  • Why Actual Cash Value (ACV) Insurance Is a Bad Idea
  • What You Should Not Do After You Experience A Claim
  • Don’t Stress With Self Repairs or Replace Property When You Have a Claim
  • What Are Homeowner Duties After a Fire Loss?
  • Red Flags For Homeowners on Insurance Company’s Initial Offer

Archive

AmeriClaims, Inc.

5.0

Lucy Fyfe

5 months ago

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Amy and Josh at AmeriClaims helped one of my clients with a dire situation. We are so grateful and delighted we were able to find them at the right time. They are going in my contact list for anyone in need. Thank you so much for your professionalism and assistance.

Amy and Josh at AmeriClaims helped one of my clients with a dire situation. We are so grateful and delighted we were able to find them at the right time. They are going in my contact list for anyone in need. Thank you so much for your professionalism and assistance.

Rhonda Jane Catha-Kramer

8 months ago

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From the first phone to the final in person visit Americlaims Andy we're the embodiment of professionalism, knowledge, integrity, and often times emotional support during venting about State Farm Adjuster, Verna, and the inexcusable business practices. Andy walked us through the fire and we came out the other end receiving what was legally owed. If you are struggling with your insurance adjuster then call Americlaims and let them know we sent you

From the first phone to the final in person visit Americlaims Andy we're the embodiment of professionalism, knowledge, integrity, and often times emotional support during venting about State Farm Adjuster, Verna, and the inexcusable business practices. Andy walked us through the fire and we came out the other end receiving what was legally owed. If you are struggling with your insurance adjuster then call Americlaims and let them know we sent you

SNS Realty

8 months ago

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This team did an excellent job on handling my insurance claim.They handling everything from start to end and got me the most out of my insurance claim. They are honest and trustworthy which is what I ask for when doing business. Highly recommended.

This team did an excellent job on handling my insurance claim.They handling everything from start to end and got me the most out of my insurance claim. They are honest and trustworthy which is what I ask for when doing business. Highly recommended.

Sohil Shah

8 months ago

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This team did an excellent job on handling my insurance claim.They handling everything from start to end and got me the most out of my insurance claim. They are honest and trustworthy which is what I ask for when doing business. Highly recommended.

This team did an excellent job on handling my insurance claim.They handling everything from start to end and got me the most out of my insurance claim. They are honest and trustworthy which is what I ask for when doing business. Highly recommended.

Dean Barley

1 year ago

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Without a doubt these folks FAR EXCEEDED what I ever imagined they could do. They were there every step of the way to help me. I would never have received what I was entitled to without their help.

Without a doubt these folks FAR EXCEEDED what I ever imagined they could do. They were there every step of the way to help me. I would never have received what I was entitled to without their help.

Omar Leonard

1 year ago

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Lessie Fowler

1 year ago

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Annette Metz

1 year ago

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Tonya was amazing at handling everything for me after going through such a traumatic experience and any problem I had she was only a phone call away and I had results or a solution by the days end Very professional company and well worth the money and I would definetly recommend Americlaims to anyone needing this kind of service after a loss Tonya is a great people person and went above and beyond to make sure I received what i was insured for Thanks again Tonya...

Tonya was amazing at handling everything for me after going through such a traumatic experience and any problem I had she was only a phone call away and I had results or a solution by the days end Very professional company and well worth the money and I would definetly recommend Americlaims to anyone needing this kind of service after a loss Tonya is a great people person and went above and beyond to make sure I received what i was insured for Thanks again Tonya...

Tonya LaRocca

1 year ago

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Summer Berry

1 year ago

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Stefanie Shiramizu

2 years ago

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Americlaims may be the best thing that has ever happened to us. We cannot thank them enough for all they did for our family. Last year, my husband and I bought our first home....and our first night there literally 4 hours into being in our new home, our moving truck was stolen out of our driveway, with all of our belongings in it. We had the clothes on our back, and that was it. We lost everything we have ever owned. My fathers ashes, family heirlooms, wedding photos...not to mention all of our furniture, electronics, checkbooks, college diplomas, clothes, our doctoral white coats...etc I called my home owners insurance company to initiate a claim, and they sent me a blank piece of paper and told me to just write everything down we lost. We didn't even know where to begin. It was overwhelming.Someone told us about public insurance adjusters. And honestly we didn't know that companies like Americlaims existed. But we met with Tonya....and it was the best decision we've ever made. Tonya worked diligently to file our claim. She provided us with all the tools and info we needed to recall what we lost. She helped us itemize, price, and negotiate with our insurance company so that we could be compensated fairly for our losses. She was 100 on our team. It's been almost a year since our theft, and we are just wrapping up with this insurance process. And I just can't thank Tonya and Americlaims enough for all they have done for us. It made a very hectic and stressful time much more manageable. As a newly married couple, they honestly gave us the opportunity to get our life back. Without them we would have had to start over using all of our savings.

Americlaims may be the best thing that has ever happened to us. We cannot thank them enough for all they did for our family. Last year, my husband and I bought our first home....and our first night there literally 4 hours into being in our new home, our moving truck was stolen out of our driveway, with all of our belongings in it. We had the clothes on our back, and that was it. We lost everything we have ever owned. My fathers ashes, family heirlooms, wedding photos...not to mention all of our furniture, electronics, checkbooks, college diplomas, clothes, our doctoral white coats...etc I called my home owners insurance company to initiate a claim, and they sent me a blank piece of paper and told me to just write everything down we lost. We didn't even know where to begin. It was overwhelming.Someone told us about public insurance adjusters. And honestly we didn't know that companies like Americlaims existed. But we met with Tonya....and it was the best decision we've ever made. Tonya worked diligently to file our claim. She provided us with all the tools and info we needed to recall what we lost. She helped us itemize, price, and negotiate with our insurance company so that we could be compensated fairly for our losses. She was 100 on our team. It's been almost a year since our theft, and we are just wrapping up with this insurance process. And I just can't thank Tonya and Americlaims enough for all they have done for us. It made a very hectic and stressful time much more manageable. As a newly married couple, they honestly gave us the opportunity to get our life back. Without them we would have had to start over using all of our savings.

Debra Massey

3 years ago

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Professional and courteous. Knowledgeable of the claim process. Took the stress of filing our claim off of us. Consistent follow up. Talk to us and not at us. Recommend highly. Debra

Professional and courteous. Knowledgeable of the claim process. Took the stress of filing our claim off of us. Consistent follow up. Talk to us and not at us. Recommend highly. Debra

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  • Careers
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