Rental dwelling insurance

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PostPosted: Tue Jul 06, 2010 11:47 am   Post subject: Rental dwelling insurance  

Is there any difference between renters insurance and rental dwelling insurance? Is rental dwelling insurance of any real help to us?


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Bosky44
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PostPosted: Tue Jul 06, 2010 10:50 pm   Post subject:   

Don't know who is 'us', and does 'us' own the home, rent the home, or just drive by occasionally?



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Lori
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PostPosted: Wed Jul 07, 2010 6:29 am   Post subject:   

We're yet to sign a lease for renting. The land lord wants us to get this rental dwelling policy. We're not too sure if that's the right thing for us to buy right now.


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Bosky44
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PostPosted: Wed Jul 07, 2010 10:31 am   Post subject:   

It's the 'dwelling' part that's throwing me off..A renters policy (one you would take out) is a good idea, and you should have it, it will cover your personal property, has some liability coverage as well, and is typcially pretty inexpensive. He would have a policy that covers his dwelling.



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PostPosted: Fri Jul 09, 2010 10:38 am   Post subject:   

I guess this rental dwelling insurance is meant for the land lords. It's the land lord's responsibility to cover the building.


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anonymous00
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PostPosted: Sat Jul 10, 2010 6:10 am   Post subject:   

The renter or the landlord has to choose between the ACV of the property or the replacement cost. Both the renters insurance and rental dwelling insurance would cover your removable furniture.

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PostPosted: Wed Jul 14, 2010 7:34 am   Post subject:   

One choice of insurance that will protect you against fire damage to your home is fire dwelling insurance. Fire dwelling insurance is offered to protect all listed dwellings on your property such as your house, garage, sheds or other structures, from certain types of damage. Losses covered by fire dwelling insurance typically include fire, collapse, explosion, hail, lightning strike, smoke, vandalism, and wind damage. Perhaps the biggest selling point of fire dwelling insurance is that it fully covers properties that are rented to others. If you own a home and rent it out, you may find that many homeownersÂ’ insurance policies will not cover damage to a home that the insurance policy holder is not living in.

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PostPosted: Fri Mar 30, 2012 11:51 pm   Post subject: aWAlztTLTkWoNd  

It will help you to shop around- but make sure you have a copy of your enagrel policy so that you can compare coverages and request the same type coverages, because some insurers will put minimum coverages and take some protection away from you just to beat other quotes, without taking into consideration your financial protection!


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