When landlords search for property insurance, they should consider these five things to help ensure their investment is protected as much as possible.

1. Property Insurance and Five
Things Every Landlord
Should Consider

2. Landlords need to have property insurance not only to protect their property,
but themselves as well. There are many different factors and variables to
consider when searching for the perfect insurance policy. Not all parts of the
policy may apply to you, but it’s always better to be over-protected than under-
protected. Here are five things a landlord you should keep in mind consider
when searching for property management insurance.
For more information about Investment Property Insurance and other insurance options offered
by APIA, visit at http://www.apiaprotects.com/

3. 1. Have Both General Liability and E&O
Insurance
The key to investment property risk management is having enough of both
General Liability insurance and Errors & Omissions insurance. General Liability
insurance will cover all the day-to-day operations on your property, while E&O
insurance protects you from other mistakes. These mistakes can include
wrongful eviction claims, invasion of privacy and other similar mistakes that
could happen.
For more information about Investment Property Insurance and other insurance options offered
by APIA, visit at http://www.apiaprotects.com/

4. 2. Property Insurance that includes
Personal Injury Coverage
Some insurance companies won’t clearly state whether personal injury coverage
is included in your General Liability insurance policy. When you have an
investment property, personal injury coverage is a necessity to protect yourself in
the event of an accident due to negligence or other factors.
For more information about Investment Property Insurance and other insurance options offered
by APIA, visit at http://www.apiaprotects.com/

5. 3. Don’t Forget About Contractors
Contractors work independently, but they also represent you, so you need to
ensure they are covered through your policy. Accidents can happen when a
contractor is working on your property, so it’s important to protect yourself from
those claims as well. This is one of the things property management owners
overlook when searching for property insurance.
For more information about Investment Property Insurance and other insurance options offered
by APIA, visit at http://www.apiaprotects.com/

6. 4. Consider The Ever-Changing Climate
The climate of property management is constantly changing, so keeping up with
new developments is critical. Stay in close contact with your insurance company
to ensure you have enough coverage for all aspects of your property
management.
For more information about Investment Property Insurance and other insurance options offered
by APIA, visit at http://www.apiaprotects.com/

7. 5. Your Policy Should Cover Legal Costs
Every landlord hopes they’ll never have to go through a legal battle, but in reality, it’s
possible any given day. Make sure your property insurance policy covers legal costs
you may incur while protecting yourself. Many claims or lawsuits filed against you
won’t have any basis at all, but you’ll still have to pay out of pocket to defend yourself.
Having legal costs covered in those situations can provide more peace of mind.
For more information about Investment Property Insurance and other insurance options offered
by APIA, visit at http://www.apiaprotects.com/

8. APIA is proud to serve our clients with more than 150 years of combined
experience in the industry. Since we treat each client as a unique case, we will
tailor your policy to fit your needs so you won’t have to over pay for coverage you
don’t need. Be sure to contact us today for more information on property
management insurance and to see how we can help protect your investment.
For more information about Investment Property Insurance and other insurance options offered
by APIA, visit at http://www.apiaprotects.com/