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Before you rent out your home or condo unit, you need to contact your insurance agent to verify that either your current policies or new policies will provide coverage in case the home is rented out.    

Here are some questions that your agent may ask you:

 ·     What is the minimal rental period?  Annual, Monthly, Weekly or less than a week?

 ·     Will you have a management company handle the rental of your home?

 ·     Will you be renting the home furnished or unfurnished?

If you decide to rent your home or condo unit for less than a week, then coverage may need to be written thru an insurance carrier that will allow for the “short-term” rental exposure.

Should you reside in your home or condo on a secondary or seasonal basis and rent your home or unit on a monthly or weekly basis then most Homeowner & Unit-Owners policies have endorsements that can be added in order to cover the gaps in coverage that are created with any rental exposure. 

There is also a chance that your current carrier may require for coverage to be rewritten to a Dwelling Fire policy, which will allow for a tenant to occupy the dwelling.  If you have a tenant occupying your home or condo then your tenant should have a Renters Insurance policy to properly protect their belongings and liabilities.

On the opposite side…if you used to rent your home or condo unit and now you don’t, then you too should contact your insurance agent as you may need to amend your coverage or policies.  

Having a good rapport with your insurance agent is beneficial in making sure that you have adequate coverage.

Call us today, (239) 444-1414 or (239) 472-1152, for more information or complete this form and we will contact you!

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