Landlords - Rental Property

Boise Idaho Landlords Insurance Policies 

If you own a home, condo, townhome and rent it out. The policy you need for coverage is a landlords policies. Call our office today. Our staff will help you with a plan that covers your investment and fits in your budget. 

Landlord or Homeowner Tips! Make sure your renters have a plan in place to protect their personal items. We recommend you make it part of the lease agreement. This ensures if an accident happens. You are not liable for their possessions. 

Affordable Landlord - Tenant Insurance Quotes

Send us a message and we'll get right back to you

Property Protection for Landlords 

There is protection for the actual property itself. Usually this will mean the dwelling. 
If you were to have a claim for whatever reason. You would first want to look and see what your deductible is in the contract. It may or may not be worth filing a claim at this stage. A good agent will help you navigate and determine if a claim is viable. Also, your agent should educate you on the specific limits of property coverage stated. Usually when you bind the contract the limits are clearly defined. If not just have your agent review the limits with you. You may be able to raise or lower the amounts 

Why a Landlords or Tenant policy and not Homeowners? 

A landlords insurance plan is for a person or entity that rents out a home, condo, town-home, mobile home. The contract usually has two separate two parts to the contract. The property part and liability part. This plan is designed to help cover the owner or landlord in case of a claim or loss. 

Dwelling or Building

This is the part of the policy that will pay for damages. If you have a fire, wind, hail. This is not the whole list that it covers but just a few. Every carrier and contract is different. We will sit down and review with you all the coverage's. Our customers do not get blindsided. 

Other Structures

Just as it sounds. Other structures in a landlords plan is covered under the provisions of the policy, will protect the following.  
  • detached structures
  • fencing and fences 
  • sheds 

Personal Property

If you keep items that you own on the rented property. Such as, lawn equipment. And if damage should happen to it under a covered loss. There typically is coverage. Just check your policy provisions to be sure. 

When you work with an agency like ours. We will make sure you are aware of what is covered and not. 

Landlord Liability

Liability part of the contract is designed to help pay for cost's associated with injury or other legal expenses. As an example, if your renter were to injure themselves at the home. A claim would be processed and if you were liable for whatever reason the policy would pay the medical expenses. With injury claims in insurance. It is difficult sometimes to know who is at fault. The owner or the renter. Sometimes a claim just needs to be filed and let the process investigate what had happened to deem a fault status. 

Other Possible Coverage Options

Most companies will provide property and liability coverage options with the base plan. But, you may be interested in other riders or extras depending on your situation. Big companies typically will have the option for you to purchase at extra premiums, the following. 

  • Burglary and Vandalism 
  • Under Construction
  • Building Codes 
  • Fair Rental Value 
  • Inflation Coverage
  • Umbrella Coverage 
  • Other Structures 
  • Liability 
What is typically not covered under the plan? 
  •  Your renter's personal belongings
    • It is very important that you have your renters purchase their own Renters Policy! 
  • Your appliances, furnace, stove, electrical, plumbing. 
    • Just like a traditional home policy you are responsible for the maintenance and upkeep of these items.

Landlord Insurance policies in Boise ID

Our agents and staff are here to help you find the best possible plans and information. We are located in Boise, but service the State of ID, Treasure Valley, Meridian, Nampa, Eagle, and Caldwell.  We also offer other services and products including auto, life, commercial, health, business owners and other financial products. We have over 30 years of experience with our agent staff in the company. Home Insurance Boise is your one stop for home owners insurance. Give the office a call today 208-515-2228

Discounts & Savings

Insurance companies are fiercely competing for business. One of the great things they have done in the last few years is discounts. See below for possible discounts and make sure to ask your agent how to save. We always apply the best discounts for our satisfied insureds.  
  • Future Date or Early Shopper 
  • Claim Free Discount   
  • Companion Home  
  • Payment Discounts, pay in full or annual 
  • Senior Citizen 
  • Bundled - Home & Auto
  • Loyalty & Affinity 
  • Paperless 
  • Online payments and claim submission 
We offer a full portfolio of insurance products and services including mobile or manufactured home. Call today for a no obligation quote. 

Get Landlords Quote!

Share by: