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Comprehensive Real Estate Investor Insurance for Arizona

Protect Your Investments with Top Choice Insurance Agency, PLLC in Glendale

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Real Estate Investor Insurance
Provided By Our Agency

Investing in real estate has its hazards but can also be rewarding. Ensuring you have the right insurance is crucial to protecting your investment properties from potential dangers while providing you with peace of mind.

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Physical Structure

Liabilities

Equipment breakdown

Fair rental value

Ordinance of law

Physical structure coverage

Risk Factors

If a storm damages an apartment building’s roof, the owner can file a claim against their physical structure coverage.

Solution

This type of coverage protects the building’s structure, like its foundation, roof and walls. It also covers detached structures on the property, like garages and maintenance buildings.

Liability coverage

Risk Factors

You may need to pay medical expenses and legal costs when a tenant, customer of a tenant, or guest at a residential property sustains an injury.

Solution

Typically, this type of coverage doesn’t cover the everyday misfortunes of tenants, such as a tenant slipping and falling in his kitchen. But if a leaky roof causes a guest to slip and fall in a common area such as a lobby, liability coverage can pay medical costs and legal bills.

Equipment breakdown coverage

Risk Factors

Landlords can face big repair and replacement costs if a power surge damages a building's electrical system, a grass cutting machine, or a heating boiler explodes.

Solution

Equipment breakdown coverage can help a landlord repair or replace damaged equipment.

Fair rental value coverage

Risk Factors

While tenants move out of the office building due to the tornado damage, the landlord needs to pay for its repairs.

Solution

This type of coverage can help pay for lost rental income if a building becomes uninhabitable due to a covered loss. For instance, if tenants must move out of an office building to repair tornado damage, fair rental value coverage can reimburse the landlord for a portion of the lost rental income.

Ordinance of law coverage

Risk Factors

Oftentimes, older rental properties don’t meet current building codes.

Solution

If a property sustains a covered structural loss, ordinance of law coverage can help cover the additional cost of reconstructing the building to meet the current codes.

What is Real Estate Investor Insurance?

Real estate investor insurance specifically targets property managers, family offices, trusts, and individual and corporate real estate investors. Often referred to as "landlord insurance," this type of insurance can be applied to a variety of rental properties. At Top Choice Insurance Agency, PLLC, we simplify the process of insuring investor property portfolios in Arizona.

Essential Coverages for Real Estate Investor Insurance

Avoiding the pitfalls of under-insuring, over-insuring, or selecting inappropriate insurance for your investment properties is crucial. Consider the following coverages:

Property and General Liability
Workers Compensation Insurance
Flood Insurance
Wind/Hail Insurance
Earthquake Insurance

Cost of Real Estate Investor Insurance

The cost of real estate investor insurance differs greatly and is influenced by factors such as the property type, condition, size, location of the property, owner profile, and previous claims.

Maintaining a good cash flow means paying for only necessary coverage. Having the right insurance for your real estate investments in Glendale can help protect you from significant and unexpected losses.

Importance of Appropriate Coverage

Understanding your existing policies and regularly consulting with a trusted insurance agent from Top Choice Insurance Agency, PLLC is essential. This ensures that your coverage is adequate and up-to-date. Being underinsured when a disaster strikes can have catastrophic consequences, making it too late to adjust your coverage.

Contact Top Choice Insurance Agency, PLLC today to learn more about securing your real estate investments in Arizona.

Already have Real Estate Investor Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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