Keep Your Rental Property Protected with Tennessee Landlord Insurance

Owning a rental property is a rewarding investment, but can leave you open to considerable risk. Landlord Insurance from Andor Insurance Agency gives you the peace of mind you deserve when it comes to your properties across the state of Tennessee. Our landlord policies allow you to protect yourself financially from damages or injuries related to rental properties you own – commercial & residential.

Tennessee Landlord Insurance

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Landlord Insurance that Provides Peace of Mind

Andor Insurance Agency can help you find the perfect coverage for you and your investments. We’ll also help you understand what types of coverages you might want to consider based on a number of factors such as your income, # of properties owned, etc.

Landlord insurance policies can vary. Andor Insurance Agency can provide landlords in Tennessee with coverage for:

Property Damage Coverage

Structure damage to a rental property can ruin a landlord financially if they aren’t prepared for the surprise cost. With a landlord policy from Andor Insurance Agency, you’re covered.

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Loss of Rental Income Coverage

If your property experiences damages in a covered event and tenants are unable to inhabit the home, your landlord insurance can help cover the lost rental income! An agent with Andor can tell you more!

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Rental Home Liability Coverage

Liability coverage has you covered should an incident take place in your rental property. If your tenant falls and breaks their back on your property they may sue you. Your liability coverage helps to cover the costs associated if so.

Optional riders that can be added to your landlord insurance policy:

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Building Code Coverage

Building code coverage allows you cover the additional cost of repairing your home up to code if it’s damaged by a covered event.

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Non-Occupied Dwelling

Most landlord coverages apply to occupied homes and coverage typically lapses after the 30 days of the property sitting empty. Non-Occupied Dwelling coverage from Andor Insurance Agency extends this period of time.

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HVAC Loss Reimbursement

Protect any additional structures on your property – garage, shed, etc – with Additional Structures Coverage.

Great Savings on Your Landlord Insurance with Andor

We save Tennessee landlords an average of 26% on their landlord insurance policy. Get started on your quote !

Looking for even more savings? Bundle your landlord, home, and other policies with Andor Insurance Agency.

Tennessee Landlord Insurance Information

The type of insurance policy your rental property requires depends on several factors. It can be based on the insurance provider and the duration of time you rent out your property in Tennessee.

Typically, your provider will want to see that your property is occupied long-term, with at least 12-month leases being put in place. That’s not say that coverage isn’t available for Tennessee landlords who deal primarily with short-term rental properties. It will just usually mean that you’ll pay a bigger premium every month due to the nature of your rental property’s volatility.

Some other factors that can affect the rate you pay on landlord insurance are:

Location of Your Property(s)
Purchase Date of the Property
Upgrades of Improvements You’ve Added to the Property
Your History of Claims
Alarm System on the Property and more.

What isn’t covered by Tennessee landlord insurance?

Maintenance repairs are not covered by your landlord insurance. If the tenant calls you and claims your dishwasher is broken your provider will not cover the cost of repair or replacement for appliances such as this.

Your Tenant’s personal property is not covered by your landlord policy. Our insurance agents recommend that you require any and all tenants in your property to carry renters insurance to protect their belongings within your property.