Landlord Insurance - Protecting Your Investments

Real Estate and Rental Property owners face unique risks and have assets that are important to cover that aren't included on a normal homeowners insurance policy. Another few commonly used terms for Landlord policies are also Fire Dwelling Insurance or Lessor's Risks.

Most landlord policies cover the building, loss of income, personal property, liability coverage, and much more. Many landlords should consider an umbrella policy for increased and unknown liability that could arise in the event something happens on their premises. It is also important to make sure you have enough coverage for your building as well as enough rental income so that your income from your properties continues in the event of a large loss.

 

Carlson & Associates provides rental property insurance in Northwest including Gig Harbor, Tacoma, Kent, Auburn, Port Orchard and all areas surrounding

Important Landlord Insurance Coverages

  • Dwelling Limit (Rebuild Cost of Home)
  • Other Structures (Any detached structures)
  • Personal Property
  • Loss of Rental Income
  • Personal Liability
  • Medical Payments to Others
  • Ordinance or Law

Types of Rental Properties we Insure

  • Single Family Homes
  • Duplex, Triplex, and Quad
  • Apartment Complexes
  • Commercial Rentals (Lessor's Risk)
  • Mixed Use Rentals (Business/Apartment Mix)
  • Vacation Rentals (Airbnb, VRBO, Etc.)

Dwelling Coverage (Rebuild Value)

Property or Dwelling Coverage is the what pays to rebuild or repair your rental in the event of a catastrophe such as a fire or windstorm.

Other Structures

Coverage for secondary structures that aren't directly attached to rental home. These could include buildings such as detached garages, sheds, fences, awnings, etc.

Pesonal Property Coverage

You may have furnishings, appliances, and other property in your rentals. This coverage helps you replace these items in the event of a loss such as a fire, theft, water damage and many more.

Fair Rental Value Coverage/Rental Income

If your there is a covered loss to your rental property, this coverage insures that you will continue to receive payment for your loss of income from your tenant.

Personal Liability

This coverage applies if someone is injured or their property is damaged and you are legally responsible. It covers the cost of damages and the cost to defend yourself.

 

Medical Payments to Others

This covers immediate medical expenses for guests that are injured on your property. It does not cover you or any of your household members.

Ordinance or Law

Covers cost due to change in municipal law or building codes that have changed from the time your structure was built. It covers the additional cost of this for any reconstruction or repair.

Landlord policies can differ drastically  in pricing and the broadness in coverage by the type of policy form you select, the amount of coverage selected. and the type of home that you are insuring.

Everyone’s situation for insurance is unique so it is important to find insurance that fits your needs. One of our insurance professionals can help assess what your needs are and help design a landlord protection insurance plan that will protect you at an affordable cost.

  • Betsy Hytinen and Pam Pyle are the best insurance ladies ever! They are on top of their game, and quick to getting you the best insurance possible. 10/10 recommend!

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  • 5 star ratingKevin Owens who is a broker at this agency is amazing with what he knows in regards to life insurance. It's obvious it's not all about him making money on a policy as he... read more

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  • Kevin Owens has handled all of my family’s insurance needs for several years. I have found that having a single “expert” who can provide comprehensive strategy and support for home, auto, life, umbrella and more... read more

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  • Amy and Carlson Associates has been nothing but amazing. Amy answers emails as fast as we hit send and goes above and beyond to help us. We are in our first year of... read more

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  • Awesome customer service! We had a fairly complex situation while changing auto plans and buying a new home. Antone was very quick to respond and provided everything we needed! Not to mention, saved us a... read more

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  • Amy Haugen at Carlson & Associates has always provided my company with excellent customer service! She is very attentive to my needs and always prompt to respond with solutions that works for me. Her knowledge... read more

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  • Kevin Owens is second to none as an insurance agent. I cannot recommend him enough! He is incredibly responsive and has an impressive breadth of knowledge around all forms of insurance. He is who I... read more

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  • Kevin Owens has been my agent for about two years. He has proven to me time and again that he truly values his clients. He remains responsive and proactive and has never yielded in his... read more

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  • 5 star ratingWe recently moved to Gig Harbor from California. Antone Saltvick has been extremely helpful in making sure all of our insurance needs have been covered.

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  • Service was awesome. Great experience all around. Definitely would recommend to anyone

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  • Kevin Owens is my go-to insurance agent for all my insurance needs. He is very professional, responsive, and takes care of everything for me (which I LOVE!). Not only does he help my family and... read more

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  • 5 star ratingMy husband and I own a small business and we have nothing but excellent things to say about working with Antone. He not only helped us with our insurance needs for the business but our... read more

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  • Amy Haugen is so wonderful to work with, she is easy to get ahold of and very prompt in her responses. She even reshoped my insurance this year and saved me over $1,000!

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  • 5 star ratingI've been a customer of Carlson and Associates since moving to Gig Harbor 5 years ago. I currently work with Antone who is fantastic! He listens to what we are needing in regards... read more

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  • I had a great experience, thank you Antone Saltvick! He’s amazing and helped me find a good deal for auto insurance! I highly recommend!

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  • Thank you Antone for shopping around and landing us a GREAT deal on our Auto Insurance!

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  • Kevin Owens is amazing! I was faced with one of my life insurances ending and they were going to charge me a quadruple monthly fee to continue. He took both of my... read more

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  • 5 star ratingOver the past 30 years I have had numerous brokers assist with my professional liability insurance needs. Larry Carlson is the first broker that takes the time to form relationships. I'm a firm believer that... read more

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  • I have been working with Antone Saltvick for the last 4 years and it has been a great experience. He helped me get more coverage than I had before at a better price. ... read more

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  • Betsy and Pam take such great care of our Family's insurance needs!

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  • Betsy and Pam are always extremely helpful and knowledgeable, they make sure my policy has me covered where needed and that I am getting the best price available! I highly recommend Carlson and Associates!!

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  • I have used Carlson and Associates for years and have had nothing but great experiences. They continue to get me the most competitive rates and their customer service is impeccable!

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  • Great experience dealing with Antone Saltvick for my business insurance. He came in with a better price with more coverage than any other agent I talked to. He was super responsive and quick to get... read more

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  • Nine years ago, we were shopping for a new broker and insurance carrier when we met with Larry Carlson. He told us he could help with all our insurance problems, from invoicing to coverage.... read more

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  • Kevin Owens is the best insurance agent we have had in 40 years. He has always searched for the most cost effective insurance which has saved us a lot of money, and he has... read more

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  • As the administrative director for Blackstone Construction I have the privilege of working closely with Amy Haugen. Amy has been nothing less than stellar in regards to her customer service! Amy is friendly & attentive,... read more

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  • I am writing this review because this company, and particularly the agent Kevin Owens are exceptional! I have worked with a number of agents throughout the years and find that Kevin is fast, knowledgeable,... read more

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