Landlord Policies

 

If you own rental properties in Woodstock or surrounding metro area, we can help! Landlord, aka Dwelling Fire policies, are for properties that are non-owner occupied, typically with a one-year lease or longer. Whether you own one or ten, we have several carriers that can provide coverage.  If you own your properties in the name of an LLC, we have you covered, too. Our agency has more than a few insurance carriers that allow that entity as a named insured.

How Does a Landlord Policy Work?

A landlord policy is covering the structure while offering personal property and liability limits as needed. You should require every tenant to carry their own renters’ insurance policy to cover the belongings they are bringing into the home. There is usually additional coverage that can be added, such as water back up, ordinance of law and extended dwelling coverage.

If you own a rental property AND you are offering short-term rentals through companies like Airbnb or HomeAway, our team does have options available for that exposure. This type of rental exposure must be reported and rated, so it’s written on the correct form. If you fail to disclose this information, it could result in an uncovered loss.

Coverage for Vacant Homes

Own a vacant home? We have a policy for that. If your property has been vacant for over 30 days and is going to stay that way, you’ll need to look at another policy form known as a DP1. This is the most basic of landlord forms, but it can account for the vacancy of the home. When a home is vacant, it’s at greater risk for vandalism or even larger losses, since no one is there to maintain the property.

Whether you need coverage for rental properties or vacant homes, our agency can help. Contact our office today to get started.

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Mountain Lakes Insurance opened its doors in 2009. Owners Erwin Dykstra & Jeff Nevison were former agency owners with a captive carrier but had a calling to create their own brand of customer service and experience. Our vision is to be the most valued and respected insurance agency in our community by providing trustworthy advice, reliable service, professionalism and friendliness to everyone we meet.

Our incredible team of agents has over 79 years combined experience. We strive to go beyond the basics and engage with our clients on a personal level. We provide highly rated carriers that offer our clients the best coverage protection and claims service.

After 10 years, we still strive above all else, to provide exceptional value through knowledge and transparency. We are committed to serving our clients, community, and team members with integrity and compassion.

Our dedication isn’t just to our clients. Woodstock is where we call home and we’re proud to be involved through the Cherokee Chamber, IN WDSTK, Woodstock Christian Business Network and our local churches. We are also members of Independent Insurance Agents of Georgia (I.I.A.G) and Trusted Choice.

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We aren’t just your insurance agent, we’re your neighbor, friend, and supporter. Our dedication goes beyond a policy, we want to assist you personally and professionally in any way we can. Everyone’s story is different, and we want to know yours.