{"id":3379,"date":"2023-10-10T22:29:21","date_gmt":"2023-10-11T02:29:21","guid":{"rendered":"https:\/\/blog.panda7.ca\/?p=3379"},"modified":"2023-10-10T22:30:39","modified_gmt":"2023-10-11T02:30:39","slug":"do-you-rent-out-your-home-heres-why-you-need-landlord-insurance","status":"publish","type":"post","link":"https:\/\/blog.panda7.ca\/en\/do-you-rent-out-your-home-heres-why-you-need-landlord-insurance\/","title":{"rendered":"Do you rent out your home? here\u2019s why you need \u201clandlord insurance\u201d"},"content":{"rendered":"\n
\"\"<\/a><\/figure>\n\n\n\n

Renting a part of your house or another property you own out to tenants is a great way to earn additional income. For many, owning and renting properties is a unique way to invest in real estate that can reap some serious ROI. If you are considering becoming a landlord, or already are one, you\u2019re well aware about the challenges that this position presents. There\u2019s maintenance, finding potential tenants, and ensuring that those tenants are honest, reputable, and will make payments on time. Real estate can be a considerable investment, and you wouldn\u2019t want that to go to waste.<\/p>\n\n\n\n

Enter landlord insurance. No, it\u2019s not the same as home insurance, and it isn\u2019t an extension of home insurance either. Home insurance, by definition, protects a home with the expectation that you \u2013 the homeowner \u2013 will be living there and looking after it regularly. It covers you and your live-ins\u2019 personal liability, the physical property, and any contents inside. Unfortunately, this won\u2019t extend to a property that you don\u2019t live in \u2013 i.e, a place you\u2019re using to rent out.<\/p>\n\n\n\n

What is landlord insurance?<\/h3>\n\n\n\n

Landlord insurance is a type of insurance policy that, while it can differ depending on what you need covered and your exact provider, insures property owners against financial losses to do with their rental properties. It will generally insure items that look very similar to home insurance, from the physical property, the contents inside (that you own \u2013 not the tenant), and any liability that may arise due to the ownership of the property. Some policies will also cover loss of rental income.<\/p>\n\n\n\n

In essence, a landlord insurance policy may cover:<\/p>\n\n\n\n

    \n
  • Replacement for rental income in the event your tenants are required to evacuate due to an insurable loss.<\/li>\n\n\n\n
  • Insures your property for physical damages, including its fixtures, floors, walls, HVAC systems, furniture, etc. \u2013 all subject to the terms of your individual policy. Different policies insure against different risks and will contain certain limits.<\/li>\n\n\n\n
  • Your legal liability, if someone holds you liable for property damage or bodily injury as a result of your ownership of the rental property.<\/li>\n<\/ul>\n\n\n\n

    Landlord insurance may exclude items you\u2019d expect, like any belongings of your tenant (they\u2019ll need their own tenant insurance for that) and your tenant\u2019s liability. It also may exclude things like acts of war, civil unrest, flooding (without an overland water endorsement), infestation, and so forth.<\/p>\n\n\n\n

    What if I only rent out a part of my home?<\/h3>\n\n\n\n

    Depending on your rental \u2013 say, if you rent out a basement, or a room of your home and not the entire property (and you are living in the other part of the home) then you may be able to suffice with just a home insurance policy. You\u2019ll still need to check with your provider to see if your policy\u2019s terms contain any restrictions on this front, however. Landlord insurance may only be necessary if you own a separate property and do not live in it. Note also that while landlord insurance isn\u2019t mandatory, if you have a mortgage on your rental property, you will likely be required to obtain coverage.<\/p>\n\n\n\n

    Do tenants need to carry their own renter\u2019s insurance?<\/h3>\n\n\n\n

    Renters may not be required by law to carry tenant or renter\u2019s insurance but know that your landlord insurance will not protect your tenants\u2019 belongings nor will it protect their personal liability, if someone files a lawsuit against them for damages their actions have caused. Renter\u2019s insurance can cover the tenant\u2019s clothing, electronics, furniture (that isn\u2019t original to the rental property) and their personal liability if something should happen. It is recommended they carry it, and you can even include a clause in your lease agreement that states they must purchase it. Renter\u2019s insurance can be cheaper than a couple of coffees per month.<\/p>\n\n\n\n

    How much does landlord insurance cost?<\/h3>\n\n\n\n

    Like with any insurance policy, the price of landlord insurance varies depending on the coverage you choose, your provider, and a range of other factors. Premiums may be calculated based on:<\/p>\n\n\n\n

      \n
    • Where you are located in Canada<\/li>\n\n\n\n
    • The size of the property<\/li>\n\n\n\n
    • If the property is near any major risk factors<\/li>\n\n\n\n
    • Previous claims<\/li>\n\n\n\n
    • Renting history<\/li>\n\n\n\n
    • Personal info<\/li>\n<\/ul>\n\n\n\n

      Note that landlord insurance will generally cost you more than your average home insurance. This is because it is typically much riskier to run and operate a rental property than it is to live in a home, as you won\u2019t be there day-in and day-out to monitor it, and some renters are much less inclined to look after a rental unit than something they own.<\/p>\n\n\n\n

      To keep your insurance premiums affordable, it\u2019s highly advisable that you do your due diligence when it comes to tenants and perform background checks. Request that your tenants carry renter\u2019s insurance and be selective of who you approve. It\u2019s one thing to deal with non-payments, and another to deal with potential physical damage to your rental property.<\/p>\n\n\n\n

      Panda7 can walk you through whether landlord insurance may be of benefit to you and your circumstances. If you own a property and only rent out a floor or room, discuss coverage options with our expert and friendly brokers today.<\/p>\n\n\n\n

      <\/p>\n","protected":false},"excerpt":{"rendered":"

      Renting a part of your house or another property you own out to tenants is a great way to earn additional income. For many, owning…<\/p>\n","protected":false},"author":10059,"featured_media":3380,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"nf_dc_page":"","fifu_image_url":"","fifu_image_alt":"","footnotes":""},"categories":[64],"tags":[],"class_list":["post-3379","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-landlord-insurance"],"acf":[],"yoast_head":"\nWhy You Need Landlord Insurance & What It Is | Panda7 Blog<\/title>\n<meta name=\"description\" content=\"Landlord insurance protects your investments if you rent out a part of your home or second property you own. 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