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United Insurance | Landlord
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Landlord Policy
Earthquake
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Landlord policy to protect your assets

Unique coverages for better protection

Sewer Back-up

Very few if any Landlord policies offer this valuable coverage for tenant occupied dwellings

Dwelling Replacement

Get a higher percent higher percentage of replacement costs covered

Earthquake Insurance

You’ve worked hard to build your dream home, don’t let a major earthquake shatter your dreams.

What Makes Our Insurance Unique?

We offer special coverages to help you save as much as possible.

Sewer Back-up

Very few if any Landlord policies offer this valuable coverage for tenant occupied dwellings. Add this valuable coverage for just $14.00 per annual premium. Covers up to $5,000

Dwelling Replacement Increase (125%)

The majority of Landlord policies only cover 100% replacement cost. We cover 125% of the costs for only $10.00 per annual premium

Personal Injury (Libel, Slander, Defamation)

Sometimes we say things we don’t mean or that can be taken out of context, this coverage protects the property owner from un-intentional comments that would otherwise not be covered. You can add this coverage for only $24.00 per annual premium

Earthquake Insurance

You’ve worked hard to build your dream home, don’t let a major earthquake shatter your dreams.

  • 5% deductible – excludes masonry/masonry veneer
  • We have 2 options to choose from:
    • Full Earthquake includes the dwelling, other structures, loss of use and personal property
    • Limited Earthquake is half the price with coverage for only the dwelling.

Service Line

Coverage available for water, sewer and electrical lines for your standard policy

  • For a small annual premium, homeowners can obtain protection against a common loss event that averages $6,000 per occurrence. The homeowner is responsible for the first $500 (deductible) and then has coverage up to $10,000 (limit)
  • Covers the cost of digging up and replacing underground utility lines from the exterior of your house to the utility connection

Equipment Breakdown

Until now equipment breakdown losses, along with electrical breakdown losses, were typically excluded under your homeowner policy.

  • You can add this valuable coverage for just $35 per year
  • This endorsement has a separate $500 deductible with a $100,000 maximum liability limit.
  • Helping to protect homeowners from unexpected and costly home appliance and equipment repairs. This is a much more affordable option than purchasing an expensive home warranty policy