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Rental Properties
Rental Properties Coverage Brochure
Loudoun Mutual insures a wide variety of risks in our Insurance Programs for Rental Properties. In addition to rental dwellings, the program may also be used to insure dwellings which are owner occupied but may not be eligible for the homeowner program. We have developed different rating tiers to accommodate a wide variety of dwelling risks, such as:
vacant dwellings seasonal or secondary dwellings dwellings under construction or renovation dwellings owned by LLC's student housing risks mono-line policies (we do not require you to insure your primary owner-occupied dwelling with Loudoun Mutual) Loudoun Mutual offers a unique Landlord Guardian Endorsement for rental dwellings and the endorsement includes: Water Damage (sewers and drains) up to $10,000 coverage Ordinance or Law coverage up to the Coverage A Limit Debris Removal of Trees up to $1,500 per occurrence $5,000 Personal Property of the Insured Extra Replacement Cost: Replacement Cost Terms apply to the dwelling, other structures and personal property (but does not apply to mobile homes whether or not on a permanent foundation) Loudoun Mutual offers a premium credit if a landlord meets certain minimum lease standards and business practices regarding their rental properties. See the Professional Landlord Certificate Agreement for specifics Multi-Family Dwellings up to 12 units or apartments Multiple Dwellings may be insured on one policy Mobile Homes may be insured and replacement cost is available in some instances
The Landlord Guardian Endorsement
Professional Landlord Credit
Other Loudoun Mutual Program Enhancements for Rental Properties
Limited Earthquake Coverage
Loudoun Mutual offers a unique and less expensive way to insure against the peril of earthquake. The Limited Earthquake Endorsement will pay up to $50,000 for direct physical loss to your covered dwelling and other structures caused by earthquake. A $2,500 deductible applies.
Home Systems Protection and Service Line Coverage Enhancements
Coverage may be added to your policy for sudden and accidental mechanical or electrical breakdown of your home's built in systems and equipment, such as HVAC equipment, electrical panel, and permanently installed appliances. In addition, Service Line Coverage is provided for repair costs of damage to a variety of underground piping (except gas piping) and wiring that is located on your insured premises and owned by you.
There is a Loudoun Mutual agent in your area ready to help you become a policyholder; contact one today!
This summary is intended for informational purposes only and does not modify or invalidate any of the provisions, exclusions, terms or conditions of the policy and endorsements. For specific terms and conditions, please refer to the coverage form.