Allows both owner use and rental (short term, weekends, or seasonal)
A homeowners’ policy does not provide coverage for rental exposure
This coverage is designed exclusively to avoid coverage gaps for one or two family homes, or rental condominiums. It is ideal for ski areas and lake communities. Enhancements can be added for items you provide with your rental. It includes theft protection, loss of rental income protection, equipment breakdown, and watercraft coverage for canoes. Central station alarms, property manager, and rental contracts are required.
You can select liability limits of up to $1 million and also include $5,000 medical expense.
Individuals, trusts, LLCs, or businesses are insured.
Water Backup Coverage
Coverage may range from $5,000 – $25,000
Contents such as furniture, electronics, dishes, and linens are also protected with $5,000 included automatically.