Where your home is located generally affects your Landlord Insurance cost. Your zip code, city, and neighborhood can have different risk rates for weather damage, like wildfires or floods, or higher claims history due to crime, affecting your coverage final price.

Every home has its story, and taking it into account is crucial. Old homes, as charming as they can be, often require more maintenance affecting your Landlord Insurance coverage final price. By previously detailing it, we can provide tailored coverage and ensure the right protection when you need it most.

How you choose your deductible has all to do with finding your balance. If you go for a higher deductible, you’ll have lower premium rates. But, keep in mind that this also means you'll have to cover more out-of-pocket expenses when filing a claim. You can always read more about it in Landlord Insurance Explained or contact an agent who’ll be ready to help you!

Your claims history can impact your coverage rates. This means that if you have a history of multiple claims insurance companies could consider that as a high-risk profile and that can lead to higher policy rates.

Robust and reliable homes often mean lower premiums. If your rental home is strong and was built with durable materials, let’s say fire-resistant, you're set for savings. Our coverage protects you from perils like fire, wind, freezing, and theft, so it pays off to have a solid foundation.

This factor considers your rental activity in your property. If you are more likely to have long-term tenants on year-long leases, it generally implies stability and responsible care for the property. Occasional short-term leases can indicate less commitment, potentially leading to damage and higher premiums.