09/25/2026
When did you last read your landlord policy? An annual review can surface gaps before a claim does.
Worth checking: whether dwelling coverage reflects current rebuild costs, whether loss of rental income is included, whether liability limits still fit, and whether risks such as flood, earthquake, or water backup are excluded.
Also confirm the policy is written for a tenant-occupied property. A policy intended for an owner-occupied home may not respond the same way when the property is rented.
Construction costs shift over time, so limits set years ago may no longer reflect replacement cost.
Coverage varies by carrier and policy. Review with a licensed insurance professional.
Share this with an owner whose renewal is coming up.