Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 1, 2015

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Insurance Question from Swanton, OH

Asked on 04/01/2015

I have full homeowner insurance with liability coverage. I plan to rent out the home. Do I need to change insurance to land lord insurance? NULL

Answer given on April 07, 2015

If you are a homeowner and have decided to start renting out your home, and you will live elsewhere, you do need to change your insurance on the home.The proper insurance for a rented home is a fire dwelling policy. It provides the same coverage on the home as a homeowner policy does, but it only provides contents insurance, if you want it, and for the amount you choose.Normally this would be for a free standing stove, refrigerator and/or a washer and dryer. Those are items that are often left in a rental homeThe insurance coverages on those items do not include theft. The cost of the insurance is usually a little higher than a regular homeowner policy since damages and claims are more likely on rental property. You should also purchase loss of rents coverage in case there is a claim and you cannot rent the home for a period of time. Talk to your insurance agent or company to get a quote on this type of insurance and to discuss various deductible options available.


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