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Landlord Insurance

Protect Your Rental

Landlord insurance for your properties and peace of mind.

As a landlord, protecting your rental property is essential. Stratford Insurance offers tailored landlord insurance policies to safeguard your investments and minimize risks. From property damage to liability coverage, we’ve got you covered.

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Property Protection

Your rental property is a valuable investment, and property protection ensures it stays secure. This coverage helps repair or rebuild your rental home after events like fire, storm damage, or vandalism. Stratford Insurance customizes policies to protect the structure and any items you’ve provided in the unit, like appliances or furnishings.

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Liability Coverage

As a landlord, you could face liability risks if a tenant or visitor is injured on your property. Liability coverage helps cover medical expenses, legal fees, and settlements. Stratford Insurance provides robust liability protection, ensuring you’re financially secure in case of unexpected incidents, so you can confidently manage your rentals.

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Loss of Rental Income

If your property becomes uninhabitable due to a covered event, loss of rental income coverage helps replace the rental payments you depend on. Whether it’s due to storm damage or a fire, Stratford Insurance ensures you’re compensated for lost income while repairs are made, minimizing financial disruptions to your business.

Some basic information that can help you better plan ahead.

  • What does landlord insurance cover?

    Landlord insurance typically includes property protection, liability coverage, and loss of rental income. Property protection covers structural damages caused by events like fire, storms, or vandalism. Liability coverage protects you financially if a tenant or visitor is injured on the property. Loss of rental income ensures you receive compensation if your property becomes uninhabitable due to a covered event. Stratford Insurance offers tailored policies to suit your needs.

  • How is landlord insurance different from homeowners insurance?

    Landlord insurance is designed specifically for rental properties, covering risks homeowners insurance does not. While homeowners insurance focuses on personal property and liability, landlord insurance includes protection for rental income, tenant-related liabilities, and property used as a business asset. Stratford Insurance ensures landlords have comprehensive coverage to safeguard their investments.

  • Does landlord insurance cover tenant belongings?

    Landlord insurance does not cover tenants’ personal belongings. Instead, it focuses on protecting the building and landlord-owned items, such as appliances or furnishings. Tenants should have their own renter’s insurance to cover their possessions. Stratford Insurance provides guidance to ensure both landlords and tenants understand their responsibilities and coverage needs.

  • Is landlord insurance required by law?

    While landlord insurance is not legally required, many mortgage lenders mandate it for rental properties. Even if it’s not required, landlord insurance is essential for protecting your investment and mitigating financial risks. Stratford Insurance helps you understand your obligations and ensures you have the necessary coverage to manage your property effectively.

  • Can I add optional coverage to my landlord policy?

    Yes! Optional coverages, such as equipment breakdown protection, additional liability limits, or water damage coverage, can be added to enhance your landlord insurance policy. These customizations ensure your unique needs are fully addressed. Stratford Insurance works closely with you to build a comprehensive policy that aligns with your property and risk profile.

Protect your rental properties today.

Stratford Insurance provides landlord insurance tailored to safeguard your investments. Contact us now for a personalized quote and secure your rental property’s future.

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