Landlord Insurance Solutions

Reliable Landlord Insurance Solutions

At Upstate Insurance Agency, we understand that being a landlord can be risky. Landlord insurance, also known as rental property insurance or DP-3 coverage, is a specific type of insurance designed to financially protect owners of properties rented out to others. Unlike standard homeowners insurance policies, which are generally for owner-occupied residences, landlord insurance addresses the unique risks associated with rental properties.

Get in touch with us today to understand your landlord insurance options.

Types of Landlord Insurance

There are several different aspects to a landlord insurance policy. Consider coverage such as:

• Dwelling/Structure Protection: Covers damage to the rental property's physical structure, including the house, attached garages, porches, or decks. This includes perils like fire, storms, vandalism, and accidental water damage.
• Other Structures Protection: Covers detached structures like sheds or freestanding garages on the property.
• Landlord's Personal Property: Protects furnishings, appliances, and other belongings owned by the landlord and kept at the rental property.
• Liability Coverage: Provides financial protection if a tenant or guest is injured on the property and the landlord is held responsible. This can cover legal fees and medical costs. For example, it could protect you if a tenant sues you after a fall caused by a broken handrail.
• Loss of Rental Income/Fair Rental Income Coverage: Reimburses the landlord for lost rental income if the property becomes uninhabitable due to a covered event, like a fire, and the tenants have to move out.

Essential Protection for Your Rental Properties

Landlord insurance is more than just a financial safeguard. Upstate Insurance Agency offers tailored landlord insurance solutions that can provide:

• Protects rental income from unexpected disruptions
• Shields against tenant-caused property damage
• Covers legal costs from liability claims
• Reduces financial stress during emergencies
• Enhances credibility with tenants and lenders
• Supports quicker recovery after disasters
• Offers peace of mind for long-term property management

With our regional knowledge and almost 50 years of experience, we understand the unique needs of landlord in Oconee County and beyond. Let Upstate Insurance Agency help you secure the right coverage to ensure your properties receive security.

Choose Upstate Insurance Agency for All Insurance Concerns

When it comes to protecting your properties, Upstate Insurance Agency stands out as a trusted partner. Our local, family- and veteran-owned business offers numerous benefits to our clients:

• Customized insurance packages tailored to your needs
• Reliable guidance from licensed agents
• Decades of experience in the insurance industry
• Commitment to personalized customer service
• Quick turnaround on free quotes
• Flexible coverage options to fit your budget

Experience the difference of working with an independent agency that puts your well-being first. Connect with Upstate Insurance Agency today to learn more.

Contact Us Today

The knowledgeable team at Upstate Insurance Agency is here to help you navigate the world of protection with ease and confidence. Our team of experienced professionals is ready to answer your questions, provide detailed information, and craft a landlord insurance plan that gives you peace of mind. Reach out to us now.