May 19, 2012
1111 East 20th Street, Scottsbluff, NE
ph. 308.635.2023  •  fx. 308.632-7359
Rental Property




Rental property covered under personal insurance is habitational property owned by an individual, not a corporation, partnership or LLC, and rented to individuals. The structure may consist of up to four units and the owner may occupy one of the units in a multiunit structure. If your property does not fit the above criteria, it will fall under a commercial insurance policy.
For a quote, click here
Property exposures
The unit should comply with all governmental codes. The age and condition of the building, the type of separation or firewalls that exist between units are important. Personal property exposure depends on the items supplied by the landlord. These items are subject to theft from outsiders as well as tenants, so: the fewer such items, the better the risk.
Premises liability exposure
The landlord must provide a secure dwelling to decrease liability. All heating units and wiring must be up to code. Carpeting, steps and other potential trip/fall hazards should be minimized. Sidewalks and driveways should be free from defects. A service activity log to document the landlord's response to tenants' needs should exist. Because discrimination suits are now being lodged against landlords, stated procedures and clear guidelines for tenant acceptability should be in place to prevent discrimination.
Rental property covered under personal insurance is habitational property owned by an individual, not a corporation, partnership or LLC, and rented to individuals. The structure may consist of up to four units and the owner may occupy one of the units in a multiunit structure. If your property does not fit the above criteria, it will fall under a commercial insurance policy.
           
For a quote, click here
      
       
Property exposures
         
The unit should comply with all governmental codes. The age and condition of the building, the type of separation or firewalls that exist between units are important. Personal property exposure depends on the items supplied by the landlord. These items are subject to theft from outsiders as well as tenants, so: the fewer such items, the better the risk.
          
Premises liability exposure
       
The landlord must provide a secure dwelling to decrease liability. All heating units and wiring must be up to code. Carpeting, steps and other potential trip/fall hazards should be minimized. Sidewalks and driveways should be free from defects. A service activity log to document the landlord's response to tenants' needs should exist. Because discrimination suits are now being lodged against landlords, stated procedures and clear guidelines for tenant acceptability should be in place to prevent discrimination.


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