Occupancy
A policy written as if you live there can fail when a tenant does. The form has to match how the house is used.
Landlord
Landlord and rental property
Landlord insurance is for a property you rent to someone else. It is built around the building, your liability as the owner, and lost rent. It is not your homeowners policy with a different address.
Owners of one rental or several, including houses in The Woodlands villages and the surrounding suburbs.
Jason Karamath
(806) 445-2987
What I’ll look at
Loss of rents
If a covered loss makes the house unrentable, loss-of-rents coverage is what replaces the income for a period of time.
Liability
Injuries on the property, and sometimes at the hands of how the property is maintained, sit with the owner.
The tenant’s part
Your policy does not cover the tenant’s furniture. They need a renters policy. I can explain that line to them in one paragraph.
Here, specifically
Rental houses across north Houston get the same hail and water questions as a primary home, plus the question of who lives there. We’ll underwrite it as a rental from the start.
Common questions
Can I keep my homeowners policy if I move out and rent the house?
Sometimes for a short overlap, and usually not as the long-term answer. Tell me the date the tenant takes occupancy and we’ll match the policy to it.
Do you write short-term rentals?
Ask me about the specific property. Short-term use is a different risk than a one-year lease, and not every carrier wants it.
Have an insurance question?
Ask your neighbor.Tell me what you have. I’ll give you an honest opinion, including if you should leave it alone.