• Landlord Insurance Kaplan Louisiana

    Landlord Insurance Kaplan Louisiana – Great Coverage is Available!

    Landlord Insurance Kaplan Louisiana

    Do you own single-family homes or apartment buildings for rent in Kaplan Louisiana or the surrounding areas? Are you looking for Landlord Insurance in Kaplan Louisiana?

    Call Hearod-Lyons Insurance Group at 800-228-8291 for the top rates, friendly service, and sound advice.

    Whether you rent out apartment complexes or single-family rental units we have coverage options available for you.

    Want to get a head start? Click one of the following links to send us your information online:

    Landlord Insurance Kaplan – Which is The Best Policy for You?

    When it comes to landlord insurance, there are three different levels of coverage available: Basic, Broad, and Special Landlord Coverage.

    Each form of coverage offers different coverage and exclusions depending on the claim event.

    Kaplan Landlord Insurance – Is Basic Coverage Enough For You?

    Just as its name suggests, Basic coverage offers the least overall protection. It is a bare bones policy that specifies only about six to ten specific perils that are covered. If a claim event is not on that short list, it is excluded from coverage.

    Damage caused by fire, lightning, or hail are all examples of things covered by the basic policy.

    For some rental property owners, this might seem like all the coverage they’ll ever need, but you have to be careful not to leave yourself too sparsely protected.

    The following is an imagined scenario where the limits of basic coverage are apparent.

    Coverage Scenario:

    Amy Jones is the owner of a four-story apartment building that contains sixteen rental units.

    Amy’s landlord insurance policy receives a big rate increase so she decides to find a better rate with a new company. While looking over her options with the new company, she decides to save some money each month by purchasing Basic coverage instead of the more robust coverage she had previously.

    A couple months after changing her policy Amy leases a unit to a tenant named Baxter. During a routine fire safety inspection a few weeks later she discovers that Baxter has a pretty severe smoking habit. Already his entire unit smells of cigarette smoke.

    Despite this, Baxter is an excellent tenant who always pays rent on time and never bothers the other renters with noise so Amy ignores the smoking.

    Four years later Baxter moves out. Upon entering the now-vacant unit for inspection, Amy is stunned; the eves, vents, light fixtures, and appliances are caked in soot. Even the walls are discolored.

    Amy promptly files a claim with her insurance company. The repairs and replacements will easily be over $9,000.

    Will Amy’s Basic coverage reimburse her for the apartment damage? Or will she run into the limits of a named perils policy?

    Tune in next time for the answer.

    Landlord Insurance Kaplan – Speak To An Agent Today!

    Have questions about your coverage? The agents of Hearod-Lyons Insurance Group are always happy to help. Call today and let us set you up with a new Kaplan Landlord Insurance policy Monday through Friday 8:30 AM – 5 PM.

    And remember, you can always click one of the links below to submit your information to us online at any time:

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