The Landlords Package offers both property and liability coverage to eligible landlords.

PROPERTY COVERAGES
We offer three types of property coverage to choose from

FL-1R: The Basic Form insures against the following causes of loss:

• · Fire or lightning
• · Explosion
• · Windstorm or hail
• · Riot or civil commotion
• · Aircraft
• · Vehicles
• · Smoke
• · Vandalism
  (optional)

FL-2: The Broad Form insures against the causes of loss listed above plus the following:

• · Glass breakage
• · Burglary damage
• · Falling objects
• · Weight of ice, snow, or sleet
• · Collapse of a building
• · Sudden and accidental tearing apart, burning or bulging of heating or air conditioning system or water heater
• · Accidental discharge or overflow of liquids or steam
• · Freezing
• · Sudden and accidental damage from artificially generated electrical currents
• · Vandalism

FL-3: The Special Form insures the residence against all risks except those specifically excluded and insures the personal property against the causes of loss listed above under the Broad Form.

Liability Coverages:

FL-OLT: The Landlords Package includes premises liability which provides coverage for bodily injury and property damage resulting from the premises or operations incidental to the premises which the insured is legally obligated to pay. The minimum limit is $100,000

Optional Property Coverages:

• · Additional insureds
• · Related private structures

Deductible Options: The standard deductible is $250. Higher deductibles are available. The higher the deductible chosen, the greater the premium savings will be.