Is the building covered by insurance if the property is rented out?
As a homeowner, you are responsible for purchasing home insurance—even if you rent out the property. Homeowners insurance covers damage to your home and its fixtures (items that are immovable or permanently attached to the structure). Examples include a built-in kitchen and a shed or fence that is part of the property. There are often certain conditions attached to taking out homeowners insurance for a rented property. We’ll explain it to you.
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Insuring a Rental Property
If you buy a home with a mortgage, the bank requires you to take out home insurance for the property. This way, they can be sure that you’ll still be able to make your mortgage payments if, for example, your home burns down. However, even if you own a home without a mortgage, it’s still wise to take out home insurance. With home insurance, your property is covered in the event of damage caused by, for example, fire, storms, burglary, and vandalism. Even if you own a home and rent it out, you are responsible for insuring the property. As a landlord, you are liable for the property. Taking out home insurance for a rental property works the same way as for your own home, with the difference that you must inform the insurer that the property is being rented out.
Get home insurance right away through Alpina
Are you looking for home insurance for your rental property? Use our handy online comparison tool to see which home insurance policy best suits your home. After entering some information about the home, you’ll receive a handy overview of all providers, including their premiums and terms and conditions. Be sure to review the terms and conditions carefully before making your choice, so you know exactly what’s covered and what’s excluded. Once you’ve found the right home insurance policy, you can purchase it online right away.
Would you like to learn more about home insurance, or do you have any questions? Please feel free to contact us. We’re available Monday through Friday from 8:30 a.m. to 5:30 p.m. at 088 – 688 3700. You can also send us your question via chat, WhatsApp, or Messenger at any time.
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