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Oregon Landlord insurance coverage
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Landlord Insurance

Landlord insurance is coverage for any person who rents out a property they own. The policy typically includes two various types of coverage: Liability and property protection. Both of them are meant to protect a landlord from financial loses. An insurer like PorchLight Insurance can help landlords get the coverage they require.

Landlord property protection

Property protection in your landlord insurance plan helps cover any physical property that’s related to the home you rent out. It may include the equipment you keep on the site or dwelling itself.

  • Dwelling –this policy assists you to pay for any repairs done on your rented home, apartment, or condo in case it is damaged by wind, hail, fire, lightning or other kinds of losses that your insurer has covered.
  • Other structures –this section of the plan will pay for repairs of detached structures on the property like a fence or garage in case they are damaged by a loss that is covered by your insurer.
  • Personal property –when you leave a snow blower or lawnmower onsite in order to maintain your rental property, the landlord insurance policy can help you cover the equipment in case it is damaged. But, if you leave a DVD player or a personal bike at the place you rent out, it won’t be covered by the landlord policy.

The aforementioned coverages are subjects to deductibles or limits stated in the landlord policy.

Landlord liability protection

Your landlord insurance policy's liability section can help you pay for legal expenses or another person's medical bills in case someone gets injured on your rentals and you are found responsible. For instance, if your tenant trips and falls down the stairs and a court determines that the stairs or railing were not well maintained you will be held responsible for the tenant's legal, medical and other costs.

If you're searching for a landlord insurance plan, contact PorchLight Insurance at 866-272-8522 for more information.

Why work with PorchLight Insurance?

  • Providing competitive insurance rates by having access to multiple insurance companies
  • Licensed agents at PorchLight Insurance do all of the shopping for you, saving you time and money along the way
  • Easy to communicate with our in-house licensed insurance agents