Landlord Protection policies provide liability to the named insured/owner of the property should they be named in a lawsuit. If the property is titled to a Trust or an LLC, you want to make sure those entities are also listed and properly protected.

An important coverage that landlords need to ensure they have on this type of policy is PERSONAL INJURY COVERAGE. This covers the landlord for many things such as  Privacy Invasion, Wrongful Eviction, Wrongful Entry as well as Liable or Slander to name a few.

Working with an Independent Insurance Broker like NHC Insurance Services really opens up the coverage options that may be offered to you.  There are a lot of well known insurance companies that also write this type of policy but often don’t cover or don’t add the important coverage of PERSONAL INJURY. If you own a home and/or other income properties, the liability limits offered on this type of policy might be limited and you may want to seek additional liability limits. You can do that by purchasing a Personal Umbrella or Excess Liability policy which are very inexpensive for the amount of peace of mind they provide!