The reading list
Articles
Start at number one if your rental is a house, duplex or small building. Each one takes a few minutes, and none of them will try to sell you anything.
- 01 DP-1 vs DP-2 vs DP-3: Which Landlord Policy Do You Actually Need?The three dwelling fire policies for rental homes, explained in plain English: what each one covers, how claims are paid, and which one fits your rental.
- 02 Empty Rental? How Vacancy Quietly Shrinks Your Landlord InsuranceWhen a rental sits empty, cover for vandalism, theft, glass and water damage can end after 30 or 60 days. What changes, why, and how to stay protected between tenants.
- 03 Loss of Rent Coverage: What It Pays When Your Rental Can't Be Lived InIf a fire or burst pipe forces your tenant out, loss of rent (fair rental value) cover replaces the rent while you repair. How it works, what it won't pay, and how to set the right limit.
- 04 Underinsured Rental? How the 80% Rule and Roof Age Can Shrink Your ClaimInsure a rental for less than its rebuild cost and a claim can be cut, even a small one. How the 80% coinsurance rule works, why roofs switch to actual cash value, and how to set the right limit.
- 05 Landlord Liability Insurance: What It Covers, What It Doesn't, and When You Need an UmbrellaA guest slips on your icy steps or a tenant's dog bites a neighbour. How landlord liability works, the exclusions that surprise owners, and how an umbrella or excess policy fits on top.