The Georgia Landlord policy provides coverage for a multitude of “perils”.

The main perils a policy does not inherently provide coverage for:

• Does not include Flood
• Does not include Earthquake
• Does not include Termite or Pest infestation

Each policy is quoted with “Vandalism” and  “Burglery” coverage. Do to the recent economic conditions Burglary coverage has been added for the theft of A/C compressors, refrigerators, and copper plumbing… It is your choice to accept this coverage or not.  NOTE: Vandalism and Burglary coverage is VOID if the home is vacant or has been vacant of 30 consecutive days or more.

Do let us know up-front if the home is in a subdivision with a mandated Homeowner Association. There is a special coverage to protect you from the Homeowner Association that could add as much as $15.00 per year to the policy.

Loss of Rent is included in the policy for a term of 12 months… This coverage does not have a limit.

Endorsing an Additional Insured is not a problem and we often times add the property management company to the policy.

This is just a quick synopsis of the coverage. Do contact us for more details of the coverages our policies provide.