Utter/Morris Insurance can provide coverage for landlords with one or two rentals to larger landlords with sizeable schedules of properties. Typical areas of coverage are:
Building: provides coverage for the physical structure and any permanently installed fixtures
Landlords Contents: provides coverage for contents you, the landlord own. This typically applies to appliances however in some cases can apply to the contents of a furnished unit.
Equipment Breakdown: coverage for the electrical & mechanical systems in the building
Rental Income: Insures the loss of your rental income if your tenants vacate due to an insured loss.
Premises Liability: Protects you in the event you are held legally responsible for injury to another person or property damage to someone else’s property.
Condo Assessments: Condo unit owners can be subject to special assessments for loss or damage to common property, legal liability for bodily injury or property damage arising from the condo corporations common property and amounts you are assessed to offset the condo corporations deductible for loss to common property.
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