Property Insurance


Property Insurance

Property insurance provides protection against disasters and other risks that may affect your investment property. Typically these risks include fire, theft, and some weather damage; but policies can be tailored to cover almost anything. Without property insurance you are exposing yourself to undue risk that your investment could suffer diminished returns or be completely wiped out. Price, coverage, and terms of property insurance can vary quite significantly and not all policies are created equal.

What does property insurance cover? What doesn’t it cover?

A standard policy will typically cover the following:

  • Fire
  • Theft
  • Some weather damage-storm, lightening, etc
  • Liability to injuries sustained by tenants/visitors

It will typically not cover:

  • Floods
  • Earthquakes
  • Acts of God
  • Lost rental income while property is repaired
  • Any event not explicitly mentioned in the insurance policy

Different types of coverage

There are 2 main levels of coverage:

  1. Actual cash value – this is the price you paid for the property
  2. Replacement cost – often the cost to rebuild a property is greater than what was paid

How can we help?

As an American Properties member we can refer you to legitimate and creditworthy providers with comprehensive and fairly priced policies. They will be happy to work with you to tailor the coverage you require.


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