Landlord Insurance in New Hampshire: Protecting Your Investment

What Is Landlord Insurance?
Landlord insurance is a crucial policy that shields property owners from financial risks associated with rental properties. Whether you own a single rental property or a portfolio of buildings, having the right coverage is essential. Let’s delve into the key aspects of landlord insurance:
  1. Building Coverage: This policy covers the physical structure of your rental property. If unforeseen events like fire, storm damage, or vandalism occur, building coverage helps repair or rebuild the property.
  2. Contents Insurance: As a landlord, you may have furnishings, appliances, or other items inside the property. Contents insurance protects these belongings from damage or theft.
  3. Liability Protection: Accidents happen, and liability coverage safeguards you against legal claims arising from injuries or property damage sustained by tenants or visitors.

What is Usually Covered With Landlord Insurance?

Understanding Landlord Insurance
Landlord insurance provides essential protection for property owners who rent out their properties. Whether you own a single rental unit or manage a portfolio of buildings, having the right coverage is crucial. Let’s explore the key aspects of New Hampshire landlord insurance:

Standard Perils Coverage:
  • Your policy typically covers common risks such as fire, lightning, explosion, earthquake, storm, flood, escape of water or oil, subsidence, theft, and malicious damage.
  • Keep in mind that each insurance policy is unique, and coverage may vary. Some policies include all these perils, while others may offer a subset.
Optional Coverages:
  • Accidental Damage: Consider adding coverage for accidental damage to your property.​
  • Malicious Damage by Tenant: Protect against intentional harm caused by tenants.
  • Terrorism Coverage: Some policies include protection against acts of terrorism.
  • Legal Protection: Safeguard your interests with legal coverage.
  • Alternative Accommodation Costs: If your property becomes uninhabitable, this coverage helps cover temporary housing costs.
  • Contents Insurance: Insure furnishings, appliances, and other items inside the rental property.
  • Rent Guarantee Insurance: Ensure you receive rental income even if tenants default.
  • ​Liability Insurance: Protect yourself from liability claims related to injuries or property damage.
Tenant Considerations:
  • Landlord insurance typically does not cover personal property belonging to tenants.
  • However, having liability coverage benefits tenants if they experience losses for which you are responsible.
Contact us to learn more about the right NH landlords' insurance policy for your property.

Contact Us About
Landlords' Insurance:

(603) 882-2909
375 Main St. Suite 100
Nashua, NH 03060
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