{"id":186376,"date":"2025-12-29T07:28:57","date_gmt":"2025-12-29T14:28:57","guid":{"rendered":"https:\/\/www.biggerpockets.com\/blog\/?p=186376"},"modified":"2026-01-07T10:47:49","modified_gmt":"2026-01-07T17:47:49","slug":"8-things-to-check-before-signing-your-landlord-insurance-policy","status":"publish","type":"post","link":"https:\/\/www.biggerpockets.com\/blog\/8-things-to-check-before-signing-your-landlord-insurance-policy","title":{"rendered":"8 Things to Check Before Signing Your Landlord Insurance Policy"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><em><span data-preserver-spaces=\"true\">This article is presented by <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Steadily<\/span><\/a><span data-preserver-spaces=\"true\">.<\/span><\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">If you\u2019re like most landlords, you probably assume that once you pick a policy and pay your premium, you\u2019re covered. Simple, right?&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Unfortunately, that assumption is exactly how landlords end up blindsided by denied claims, unexpected exclusions, <\/span><span data-preserver-spaces=\"true\">and thousands of dollars in out-of-pocket losses.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><span data-preserver-spaces=\"true\">Your landlord insurance policy is one of the most <\/span><span data-preserver-spaces=\"true\">important<\/span><span data-preserver-spaces=\"true\"> business contracts you\u2019ll ever sign.<\/span><\/strong><span data-preserver-spaces=\"true\"> It determines what\u2019s protected, what isn\u2019t, and how much financial risk you\u2019re actually carrying\u2014long before anything ever goes wrong.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">But these forms are long, technical, and packed with fine print that\u2019s easy to skim past when you\u2019re trying to close on a property or onboard a new rental. <\/span><span data-preserver-spaces=\"true\">According to <\/span><span data-preserver-spaces=\"true\">the<\/span><span data-preserver-spaces=\"true\"> insurance experts <\/span><span data-preserver-spaces=\"true\">over<\/span><span data-preserver-spaces=\"true\"> at <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Steadily<\/span><\/a><span data-preserver-spaces=\"true\">, many of the most painful surprises <\/span><span data-preserver-spaces=\"true\">come<\/span><span data-preserver-spaces=\"true\"> from misunderstandings that <\/span><span data-preserver-spaces=\"true\">could have been caught<\/span><span data-preserver-spaces=\"true\"> before signing.<\/span><span data-preserver-spaces=\"true\">&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Think about the most common losses landlords experience: <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/landlord-coverages\/water\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">water damage<\/span><\/a><span data-preserver-spaces=\"true\">, liability claims, aging roofs, tenant-caused damage, and weather events. Many of these issues <\/span><em><span data-preserver-spaces=\"true\">are<\/span><\/em><span data-preserver-spaces=\"true\"> covered<\/span><span data-preserver-spaces=\"true\">\u2026 <\/span><span data-preserver-spaces=\"true\">but many others are covered only under certain conditions, or not covered at all. The difference comes down to understanding what\u2019s in your policy <\/span><strong><em><span data-preserver-spaces=\"true\">before<\/span><\/em><\/strong><span data-preserver-spaces=\"true\"> you commit.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Let\u2019s walk through the <\/span><strong><span data-preserver-spaces=\"true\">eight things every landlord should check before signing a policy<\/span><\/strong><span data-preserver-spaces=\"true\">, so<\/span><span data-preserver-spaces=\"true\"> you can avoid costly gaps, spot red flags early, and make smarter decisions for your portfolio.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">While every insurer structures things a bit differently, investor-focused providers like <\/span><strong><span data-preserver-spaces=\"true\">Steadily<\/span><\/strong><span data-preserver-spaces=\"true\"> make <\/span><span data-preserver-spaces=\"true\">this<\/span><span data-preserver-spaces=\"true\"> process much easier by using clear, landlord-specific language and coverage options <\/span><span data-preserver-spaces=\"true\">built for<\/span><span data-preserver-spaces=\"true\"> real-world rental risks.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">1. Understand What\u2019s Actually in Your Policy<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">The first thing you need to understand before signing your policy is what\u2019s actually inside it. <\/span><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> sounds obvious, but<\/span><span data-preserver-spaces=\"true\"> most landlords never read past the declarations page, and that\u2019s where costly mistakes begin.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Steadily\u2019s general guidance is that there are <\/span><strong><span data-preserver-spaces=\"true\">seven core components<\/span><\/strong><span data-preserver-spaces=\"true\"> you\u2019ll see in nearly every insurance contract. Knowing how to read each one gives you a massive advantage when comparing quotes or evaluating exclusions.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Declarations page<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> is the snapshot of your policy. It lists:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">The property address<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Named insureds (who\u2019s covered)<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Policy period<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Coverage limits<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Deductibles<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Key endorsements<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Most landlords stop reading here, but this page only tells you <\/span><em><span data-preserver-spaces=\"true\">what you think you have<\/span><\/em><span data-preserver-spaces=\"true\">, not what you truly have.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Insuring agreement<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Think of this as the \u201cpromise\u201d section. It outlines:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">What the insurer agrees to cover<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Under what circumstances <\/span><span data-preserver-spaces=\"true\">they\u2019ll<\/span><span data-preserver-spaces=\"true\"> pay<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">The basic framework for how your protection works<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">If the declarations page is the summary, the insuring agreement is the foundation.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Definitions<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Insurance policies use industry-specific language, and the definitions page <\/span><span data-preserver-spaces=\"true\">is where<\/span><span data-preserver-spaces=\"true\"> those terms <\/span><span data-preserver-spaces=\"true\">are spelled out<\/span><span data-preserver-spaces=\"true\">.<\/span> <span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> matters because:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">A single definition can change the outcome of a claim.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Terms like \u201cwater damage,\u201d \u201cresidence premises,\u201d or \u201cvandalism\u201d may not mean what you assume.<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">These definitions matter, and you need to <\/span><span data-preserver-spaces=\"true\">make sure<\/span><span data-preserver-spaces=\"true\"> your <\/span><span data-preserver-spaces=\"true\">definition aligns<\/span><span data-preserver-spaces=\"true\"> with those in the contract.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Coverages<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">This section specifies <\/span><strong><span data-preserver-spaces=\"true\">exactly what losses are covered <\/span><\/strong><span data-preserver-spaces=\"true\">and under what limits. It\u2019s where you\u2019ll find:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Dwelling coverage<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Other structures<\/span><\/li>\n\n\n\n<li><a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/landlord-coverages\/loss-of-rent\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Loss of rent<\/span><\/a><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Personal property (if applicable)<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">It\u2019s <\/span><span data-preserver-spaces=\"true\">important<\/span><span data-preserver-spaces=\"true\"> to read this section carefully so you understand the true scope of your protection.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Exclusions<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> is where insurers outline what is <\/span><em><span data-preserver-spaces=\"true\">not <\/span><\/em><span data-preserver-spaces=\"true\">covered. Common exclusions include:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Floods<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Earthquakes<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Neglect<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Wear and tear<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Sewer backup (unless endorsed)<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Many landlords are shocked when <\/span><span data-preserver-spaces=\"true\">something they assumed was covered<\/span> <span data-preserver-spaces=\"true\">appears<\/span><span data-preserver-spaces=\"true\"> here, making it essential to read before signing.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Conditions<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Conditions are the rules you must follow for coverage to apply. Examples include:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Maintenance requirements<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Timelines for reporting claims<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Steps you must take after a loss<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Missing a condition, even accidentally, can jeopardize a payout.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Endorsements<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Endorsements modify the policy. They can:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Add coverage<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Limit coverage<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Clarify terms<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">For landlords, endorsements are often where essential protections live, such as:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Ordinance or law coverage<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Sewer backup protection<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Short-term rental endorsements<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Before you sign anything, go through these seven sections with a fine-tooth comb. <\/span><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> is where the most <\/span><span data-preserver-spaces=\"true\">important<\/span><span data-preserver-spaces=\"true\"> coverage details and the <\/span><span data-preserver-spaces=\"true\">biggest<\/span><span data-preserver-spaces=\"true\"> potential pitfalls live.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">2. Confirm Whether You Have Named Peril or Open Peril Coverage<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">One of the quickest ways to misunderstand your insurance protection and end up with an unexpected denial is not <\/span><span data-preserver-spaces=\"true\">knowing<\/span><span data-preserver-spaces=\"true\"> whether your policy uses <\/span><strong><span data-preserver-spaces=\"true\">named peril<\/span><\/strong><span data-preserver-spaces=\"true\"> or <\/span><strong><span data-preserver-spaces=\"true\">open peril<\/span><\/strong><span data-preserver-spaces=\"true\"> coverage.<\/span><span data-preserver-spaces=\"true\"> The difference is simple, but the financial impact can be huge.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Steadily\u2019s policy guide highlights this as one of the first questions landlords should ask, because everything else in your policy flows from this choice.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Named peril coverage: Only what\u2019s listed is covered<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">A <\/span><strong><span data-preserver-spaces=\"true\">named peril<\/span> <\/strong><span data-preserver-spaces=\"true\">policy protects you only against the specific events listed in the <\/span><span data-preserver-spaces=\"true\">contract<\/span><span data-preserver-spaces=\"true\">.<\/span><span data-preserver-spaces=\"true\"> If it\u2019s not named, it\u2019s not covered, period.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">There are two types:<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">1. Basic named perils covers a limited set of events, such as:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Fire<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Lightning<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Windstorms or hail<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Explosions<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Smoke<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Vandalism<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Riots<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Damage from vehicles or aircraft<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Sinkhole collapse<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Sprinkler leakage<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Volcanic activity<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">2. Broad named perils include everything in the basic list, <\/span><em><span data-preserver-spaces=\"true\">plus <\/span><\/em><span data-preserver-spaces=\"true\">additional protections like:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Burglary<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Falling objects<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Ice or snow weight<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Frozen plumbing<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Accidental water discharge<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Electrical issues<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Named peril policies can work well, but only if you fully understand which events <\/span><span data-preserver-spaces=\"true\">are included<\/span><span data-preserver-spaces=\"true\"> and which aren\u2019t.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Open peril coverage: Everything is covered unless excluded<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">An <\/span><strong><span data-preserver-spaces=\"true\">open peril<\/span><\/strong><span data-preserver-spaces=\"true\"> policy flips the script. Instead of listing what is covered, it lists what isn\u2019t. If the cause of loss <\/span><span data-preserver-spaces=\"true\">is not <\/span><span data-preserver-spaces=\"true\">specifically<\/span><span data-preserver-spaces=\"true\"> excluded<\/span><span data-preserver-spaces=\"true\">, <\/span><span data-preserver-spaces=\"true\">it\u2019s covered<\/span><span data-preserver-spaces=\"true\">.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> typically provides:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Broader protection<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Fewer gray areas during claims<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Greater peace of mind for landlords<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">But open peril policies are also more expensive, and not all exclusions are <\/span><span data-preserver-spaces=\"true\">obvious<\/span><span data-preserver-spaces=\"true\"> at first glance.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Why this choice matters for landlords<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Knowing whether you have named or open peril coverage affects:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">How <\/span><span data-preserver-spaces=\"true\">you<\/span><span data-preserver-spaces=\"true\"> evaluate risk<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">What supplemental endorsements <\/span><span data-preserver-spaces=\"true\">you<\/span> <span data-preserver-spaces=\"true\">may<\/span><span data-preserver-spaces=\"true\"> need<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">How claims <\/span><span data-preserver-spaces=\"true\">are handled<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Whether <\/span><span data-preserver-spaces=\"true\">certain losses will be denied<\/span><span data-preserver-spaces=\"true\"> outright<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">For example, a basic named-peril policy might deny a claim for ice dam damage<\/span><span data-preserver-spaces=\"true\">, while<\/span><span data-preserver-spaces=\"true\"> an open-peril policy might cover the same event unless ice dams <\/span><span data-preserver-spaces=\"true\">are explicitly excluded<\/span><span data-preserver-spaces=\"true\">.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Before signing your policy, read the definitions and coverages pages carefully. Notice whether the perils are listed individually<\/span> <span data-preserver-spaces=\"true\">or <\/span><span data-preserver-spaces=\"true\">not<\/span><span data-preserver-spaces=\"true\">.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Check your exclusion. Even open-peril policies can have exclusions you wouldn\u2019t expect. Ask your insurer or broker directly about what type of peril is listed.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">And compare your options. Open peril often delivers better long-term value for landlords, but don\u2019t just assume this is the best decision without thoroughly reviewing the policy.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">3. Verify Replacement Cost Value vs. Actual Cash Value<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Now that you know what your policy covers, it\u2019s time to understand how your insurer will calculate what they owe you after a loss. <\/span><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> is where many landlords get blindsided, because two policies with the same coverage limits can produce very different payouts depending on whether they use <\/span><strong><span data-preserver-spaces=\"true\">Replacement Cost Value (RCV)<\/span><\/strong><span data-preserver-spaces=\"true\"> or <\/span><strong><span data-preserver-spaces=\"true\">Actual Cash Value (ACV)<\/span><\/strong><span data-preserver-spaces=\"true\">.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Steadily\u2019s guide emphasizes this distinction as one of the most <\/span><span data-preserver-spaces=\"true\">important<\/span><span data-preserver-spaces=\"true\"> details to check before signing.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Let\u2019s break it down in landlord-friendly terms.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Replacement Cost Value (RCV): The higher, safer payout<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">With RCV coverage, your insurer pays <\/span><span data-preserver-spaces=\"true\">what it costs<\/span><span data-preserver-spaces=\"true\"> to <\/span><strong><span data-preserver-spaces=\"true\">replace or repair the damaged item with a new one of similar kind and quality<\/span><\/strong><span data-preserver-spaces=\"true\">, without deducting <\/span><span data-preserver-spaces=\"true\">for<\/span> <a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/blog\/what-is-bonus-depreciation-landlords-guide\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">depreciation<\/span><\/a><span data-preserver-spaces=\"true\">.<\/span><span data-preserver-spaces=\"true\"> In other words, if your 15-year-old roof <\/span><span data-preserver-spaces=\"true\">is destroyed<\/span><span data-preserver-spaces=\"true\"> in a storm, the insurer covers the cost of a new roof, not the depreciated value of the old one.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">RCV benefits:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Larger payouts<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Better long-term protection<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Fewer surprises during claims<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Actual Cash Value (ACV): Depreciation hits your wallet<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">With ACV, the insurer subtracts depreciation from the payout. Using the same roof example: If the roof originally cost $12,000 and depreciation brings its value down to $4,000, then $4,000 is what you get, <\/span><em><span data-preserver-spaces=\"true\">even if replacement costs $12,000+ today<\/span><\/em><span data-preserver-spaces=\"true\">.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">ACV benefits:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Cheaper premiums<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">However, significantly lower claim payouts<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Why <\/span><span data-preserver-spaces=\"true\">this<\/span> <span data-preserver-spaces=\"true\">matters<\/span><span data-preserver-spaces=\"true\"> so much for landlords<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Landlords deal with:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Wear and tear<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Aging systems<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Tenant-caused damage<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Weather exposure<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">That means most items in a rental property have already depreciated. If your policy uses ACV, a <\/span><span data-preserver-spaces=\"true\">major<\/span><span data-preserver-spaces=\"true\"> claim could cost you tens of thousands out of pocket.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Even worse, <\/span><strong><span data-preserver-spaces=\"true\">ACV may apply differently to your dwelling versus your personal property<\/span><\/strong><span data-preserver-spaces=\"true\">, so confirm how each section of your policy <\/span><span data-preserver-spaces=\"true\">is handled<\/span><span data-preserver-spaces=\"true\">.&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Questions to ask before signing<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Is my dwelling covered at RCV or ACV?<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">What about other structures?<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Is personal property covered at RCV or ACV?<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Are there age-related stipulations (for roofs, HVAC, plumbing, etc.)?<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">The smart move<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">If your budget allows it, choosing RCV for both dwelling and personal property coverage typically provides the strongest protection for landlords, especially during catastrophic losses.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">4. Understand What Kind of Water Damage Your Policy Covers<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Water damage is one of the most <\/span><span data-preserver-spaces=\"true\">common,<\/span><span data-preserver-spaces=\"true\"> and most <\/span><span data-preserver-spaces=\"true\">expensive,<\/span><span data-preserver-spaces=\"true\"> insurance claims landlords face.<\/span> <strong><span data-preserver-spaces=\"true\">Not all water damage <\/span><span data-preserver-spaces=\"true\">is treated<\/span><span data-preserver-spaces=\"true\"> the same<\/span><\/strong><span data-preserver-spaces=\"true\">, and what you consider water damage may not match what your insurer considers water damage.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Steadily\u2019s policy guide highlights just how nuanced this category is and why landlords must understand the distinctions before signing a policy<\/span><span data-preserver-spaces=\"true\">.<\/span><span data-preserver-spaces=\"true\">&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">What\u2019s typically covered<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Most landlord insurance policies cover <\/span><strong><span data-preserver-spaces=\"true\">sudden and accidental water damage<\/span><\/strong><span data-preserver-spaces=\"true\">, such as:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><span data-preserver-spaces=\"true\">Water damage after a fire: <\/span><\/strong><span data-preserver-spaces=\"true\">If the fire department or sprinklers drench your property, resulting water damage is generally covered.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Accidental appliance or plumbing leaks: <\/span><\/strong><span data-preserver-spaces=\"true\">This includes leaks from dishwashers, washing machines, refrigerators, <\/span><span data-preserver-spaces=\"true\">and<\/span><span data-preserver-spaces=\"true\"> faulty plumbing.<\/span><\/li>\n\n\n\n<li><strong><a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/blog\/burst-pipe-water-damage-landlord-insurance\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Burst pipes<\/span><\/a><span data-preserver-spaces=\"true\">: <\/span><\/strong><span data-preserver-spaces=\"true\">Especially those caused by freezing weather, as long as you maintained adequate heat and weren\u2019t negligent.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Roof leaks from storm damage: <\/span><\/strong><span data-preserver-spaces=\"true\">If a storm tears off shingles or a fallen tree causes a breach, interior water damage is usually covered.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Ice dams: <\/span><\/strong><span data-preserver-spaces=\"true\">This is when<\/span><span data-preserver-spaces=\"true\"> ice builds up on the roof and forces water <\/span><span data-preserver-spaces=\"true\">inside<\/span><span data-preserver-spaces=\"true\">.<\/span><span data-preserver-spaces=\"true\"> But, similar to burst pipes, <\/span><span data-preserver-spaces=\"true\">claims may be denied<\/span><span data-preserver-spaces=\"true\"> if poor maintenance contributed.<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">What\u2019s usually <\/span><em><span data-preserver-spaces=\"true\">not <\/span><\/em><span data-preserver-spaces=\"true\">covered<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><span data-preserver-spaces=\"true\">Flooding: <\/span><\/strong><span data-preserver-spaces=\"true\">Standard landlord insurance <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/blog\/does-landlord-insurance-cover-floods\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">almost never<\/span><span data-preserver-spaces=\"true\"> covers flood damage<\/span><\/a><span data-preserver-spaces=\"true\">, including rising groundwater, storm surges, river <\/span><span data-preserver-spaces=\"true\">overflow<\/span><span data-preserver-spaces=\"true\">, and heavy <\/span><span data-preserver-spaces=\"true\">rain accumulation<\/span><span data-preserver-spaces=\"true\">.<\/span><span data-preserver-spaces=\"true\"> If your property is in a flood-prone area, you\u2019ll need <\/span><strong><span data-preserver-spaces=\"true\">separate flood insurance<\/span><\/strong><span data-preserver-spaces=\"true\">.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Sewer or drain backup: <\/span><\/strong><span data-preserver-spaces=\"true\">Unless you\u2019ve added an endorsement, backup from drains, toilets, or sump pumps is typically excluded.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Appliance replacement: <\/span><\/strong><span data-preserver-spaces=\"true\">If your washer leaks, the water damage is covered, but the <\/span><strong><span data-preserver-spaces=\"true\">washer itself usually isn\u2019t<\/span><\/strong><span data-preserver-spaces=\"true\">.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Neglect-related damage: <\/span><\/strong><span data-preserver-spaces=\"true\">Slow leaks, ignored repairs, or deferred maintenance often lead to claim denials.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Earthquake-related water damage: <\/span><\/strong><span data-preserver-spaces=\"true\">If an earthquake causes a pipe to break and flood a room, the water damage <\/span><span data-preserver-spaces=\"true\">is excluded<\/span><span data-preserver-spaces=\"true\"> unless you carry earthquake coverage.<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Why water damage is such a high-risk blind spot<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Water damage can lead to mold growth, structural damage, tenant displacement, loss of rental income, and <\/span><span data-preserver-spaces=\"true\">major<\/span><span data-preserver-spaces=\"true\"> out-of-pocket expenses. Lots of water-related scenarios fall into a gray area of coverage, so landlords should read this section with extreme care. You can ask these questions before signing:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">What types of water damage are explicitly covered?<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Is sewer or drain backup included or available as an endorsement?<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Are there maintenance conditions tied to water-related claims?<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Do I need separate flood or earthquake coverage?<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">How does the policy define \u201cneglect\u201d or \u201cseepage\u201d?<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Understanding these distinctions could be the difference between a fully paid claim and a five-figure personal expense.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">5. Check How Your Policy Handles Roof Coverage<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Roof coverage is one of the most misunderstood parts of a landlord insurance policy, and one of the most common sources of claim disputes. Roofs age, storms hit, shingles wear down, and insurers treat all these situations differently depending on the carrier and the state.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Steadily\u2019s guide notes that many insurers reduce roof coverage once the roof reaches a certain age, switching from <\/span><strong><span data-preserver-spaces=\"true\">Replacement Cost Value (RCV)<\/span><\/strong><span data-preserver-spaces=\"true\"> to <\/span><strong><span data-preserver-spaces=\"true\">Actual Cash Value (ACV)<\/span><\/strong><span data-preserver-spaces=\"true\">. <\/span><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> means a much smaller payout if your roof is damaged.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Here\u2019s what landlords need to watch for before signing.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Age-based roof restrictions<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Some insurers automatically downgrade older roofs to ACV once they pass an age threshold, often 10, 15, or 20 years. That means you get reimbursed for the roof\u2019s depreciated value, not the cost to replace it. In states with severe weather risks, this downgrade is even more common.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Location matters<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Certain states impose stricter rules on roof coverage due to climate risks. <\/span><span data-preserver-spaces=\"true\">For example, Steadily\u2019s guide <\/span><span data-preserver-spaces=\"true\">highlights<\/span><span data-preserver-spaces=\"true\"> that <\/span><strong><span data-preserver-spaces=\"true\">Texas insurers are particularly strict<\/span><\/strong><span data-preserver-spaces=\"true\"> about older roofs <\/span><span data-preserver-spaces=\"true\">because of<\/span><span data-preserver-spaces=\"true\"> the state\u2019s frequent hailstorms and intense thunderstorms.<\/span><span data-preserver-spaces=\"true\"> That means a roof that qualifies for RCV in one state may only <\/span><span data-preserver-spaces=\"true\">qualify<\/span><span data-preserver-spaces=\"true\"> for ACV in another.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Cosmetic damage <\/span><span data-preserver-spaces=\"true\">is often <\/span><span data-preserver-spaces=\"true\">excluded<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Even if hail or wind damages your shingles cosmetically, many insurers exclude minor denting, surface impacts, and aesthetic-only damage. If the roof still functions, it may not be covered.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Your roof is a first line of defense against water intrusion, mold, structural damage, tenant complaints, and habitability issues. If a storm compromises the roof, you could face multiple layers of costly problems.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">To protect yourself ahead of time, you can ask these questions before signing your policy:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Is my roof covered at RCV or ACV?<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Does the policy change coverage at a specific roof age?<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">What documentation is required to prove <\/span><span data-preserver-spaces=\"true\">roof<\/span><span data-preserver-spaces=\"true\"> condition?<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Are cosmetic damages excluded?<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Is there a separate wind or hail deductible?<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Getting clear answers now can save you from a painful surprise when a storm hits.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">6. Clarify Liability &amp; Defense Cost Limits<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/landlord-coverages\/liability\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Liability coverage<\/span><\/a><span data-preserver-spaces=\"true\"> is a critical part of your landlord insurance policy. It\u2019s also one of the least understood. Many landlords assume that if <\/span><span data-preserver-spaces=\"true\">they\u2019re sued<\/span><span data-preserver-spaces=\"true\">, their policy will handle everything. Unfortunately, that\u2019s not how liability protection always works.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Steadily highlights a key distinction that can dramatically change your financial exposure: whether your <\/span><strong><span data-preserver-spaces=\"true\">defense costs are inside or outside the liability limit.<\/span><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Liability coverage: What it actually protects<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Liability coverage <\/span><span data-preserver-spaces=\"true\">is designed<\/span><span data-preserver-spaces=\"true\"> to protect you if:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">A tenant or guest <\/span><span data-preserver-spaces=\"true\">is injured<\/span><span data-preserver-spaces=\"true\"> on your property.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Someone sues you for negligence.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">You\u2019re pulled<\/span><span data-preserver-spaces=\"true\"> into a legal dispute over conditions at the property.<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">This coverage typically pays for medical bills, legal defense, and settlements or judgments. The payout structure varies, depending on how your policy treats defense costs.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">If defense costs are <\/span><strong><span data-preserver-spaces=\"true\">inside<\/span><\/strong><span data-preserver-spaces=\"true\"> the limit, your legal expenses count <\/span><em><span data-preserver-spaces=\"true\">toward<\/span><\/em><span data-preserver-spaces=\"true\"> your total liability limit. For example, let\u2019s say you carry $300,000 of liability coverage. If your legal defense costs $85,000, your remaining coverage for the settlement is now $215,000. <\/span><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> can leave landlords dangerously exposed, especially with today\u2019s legal costs.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">If defense costs are <\/span><strong><span data-preserver-spaces=\"true\">outside <\/span><\/strong><span data-preserver-spaces=\"true\">the liability limit, legal fees do not reduce your coverage, and you retain the full liability limit for settlements. <\/span><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> is the <\/span><strong><span data-preserver-spaces=\"true\">preferred <\/span><\/strong><span data-preserver-spaces=\"true\">structure for landlords. <\/span><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> provides a more predictable, comprehensive protection.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Why this matters for landlords<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Legal defense costs can escalate quickly due to tenant injuries, habitability claims, premises liability lawsuits, and disputes surrounding mold, water intrusion, or structural issues. If these costs erode your liability limit, you could be responsible for paying substantial amounts out of pocket.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Here are some questions to ask before signing your policy:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Are defense costs inside or outside my liability limit?<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">What is my base liability limit?<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Are there sublimits for specific types of liability claims?<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Are medical payments included separately?<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Does the policy offer higher liability <\/span><span data-preserver-spaces=\"true\">options<\/span><span data-preserver-spaces=\"true\"> (e.g., $500,000<\/span><span data-preserver-spaces=\"true\">, <\/span><span data-preserver-spaces=\"true\">$1 million)?<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Defense cost structure can completely change how protected you are during a lawsuit. It\u2019s one of the most <\/span><span data-preserver-spaces=\"true\">important<\/span><span data-preserver-spaces=\"true\"> details landlords should confirm before committing to a policy.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">7. Look for Location-Specific Exclusions<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Even the strongest landlord insurance policy has limits, and many of those <\/span><span data-preserver-spaces=\"true\">are directly tied<\/span><span data-preserver-spaces=\"true\"> to where your rental property <\/span><span data-preserver-spaces=\"true\">is located<\/span><span data-preserver-spaces=\"true\">. Geographic risk is one of the biggest factors insurers evaluate, and depending on your region, <\/span><span data-preserver-spaces=\"true\">certain<\/span><span data-preserver-spaces=\"true\"> hazards may <\/span><span data-preserver-spaces=\"true\">be excluded<\/span><span data-preserver-spaces=\"true\"> from standard coverage.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> is one of the most common blind spots for landlords, because exclusions aren\u2019t always <\/span><span data-preserver-spaces=\"true\">obvious<\/span><span data-preserver-spaces=\"true\"> until a claim <\/span><span data-preserver-spaces=\"true\">is filed<\/span><span data-preserver-spaces=\"true\">.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Flood exclusions (almost always excluded)<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Standard landlord insurance <\/span><strong><span data-preserver-spaces=\"true\">does not<\/span><\/strong><span data-preserver-spaces=\"true\"> cover flood damage. <\/span><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> includes flooding caused by storm surges, heavy rainfall, overflowing rivers or lakes, and rising groundwater. If your property sits in or near a FEMA flood zone, you\u2019ll need a <\/span><strong><span data-preserver-spaces=\"true\">separate flood insurance policy<\/span><\/strong><span data-preserver-spaces=\"true\">, either through the NFIP or private flood carriers.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Earthquake exclusions<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Earthquake damage is also typically excluded, unless you purchase an endorsement or a stand-alone policy. <\/span><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> matters even if you\u2019re not in<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/states\/california\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\"> California<\/span><\/a><span data-preserver-spaces=\"true\">. States like<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/states\/utah\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\"> Utah<\/span><\/a><span data-preserver-spaces=\"true\">,<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/states\/washington\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\"> Washington<\/span><\/a><span data-preserver-spaces=\"true\">,<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/states\/oregon\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\"> Oregon<\/span><\/a><span data-preserver-spaces=\"true\">,<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/states\/oklahoma\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\"> Oklahoma<\/span><\/a><span data-preserver-spaces=\"true\">, and<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/states\/south-carolina\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\"> South Carolina<\/span><\/a><span data-preserver-spaces=\"true\"> all experience seismic activity that can cause structural damage, cracked foundations, and, importantly, water damage from burst pipes. Without earthquake coverage, those losses <\/span><span data-preserver-spaces=\"true\">are not covered<\/span><span data-preserver-spaces=\"true\">.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Named storm or wind\/hail restrictions<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Certain states have special deductibles or exclusions for hurricanes, windstorms, and hail damage. For example, Gulf Coast and Atlantic states often have <\/span><strong><span data-preserver-spaces=\"true\">named storm deductibles<\/span><\/strong><span data-preserver-spaces=\"true\">, while Midwest states may have <\/span><strong><span data-preserver-spaces=\"true\">separate wind\/hail deductibles<\/span><\/strong><span data-preserver-spaces=\"true\"> due to severe storms. These deductibles can <\/span><span data-preserver-spaces=\"true\">be based<\/span><span data-preserver-spaces=\"true\"> on a flat dollar amount, or a percentage of the property\u2019s insured value (often 1% to 5%).&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Wildfire exclusions or underwriting restrictions<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">In high-risk areas\u2014especially parts of California, Colorado, Arizona, and the Pacific Northwest\u2014some insurers exclude wildfire, require defensible space inspections, or offer limited or restricted coverage. If you invest in these states, wildfire-related underwriting deserves special attention.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Why these exclusions matter<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Location-specific exclusions can dramatically change your risk exposure. A policy that looks affordable at first glance may leave you unprotected against the very hazards most common in your region.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Here are some questions you can ask before signing your policy:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Are floods excluded? If so, do I need separate coverage?<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Are earthquakes excluded? Is an endorsement available?<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Are there special deductibles for wind, hail, or named storms?<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Are wildfires covered or restricted?<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Are any geographic limitations mentioned in the exclusions or conditions section?<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">8. Bonus Checks Landlords Often Miss<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Even if you\u2019ve reviewed the big-ticket items like perils, water damage, roof coverage, and liability limits, there are still several <\/span><span data-preserver-spaces=\"true\">smaller<\/span><span data-preserver-spaces=\"true\">\u2014but equally important\u2014details buried in your policy that can make or break a future claim. These are the kinds of conditions most landlords overlook until it\u2019s too late.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Vacancy clauses<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Most landlord policies change coverage the moment your property becomes vacant. Common restrictions include:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Reduced protection after 30 or 60 days of vacancy<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Exclusions for vandalism, theft, or water damage<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Special inspections or maintenance requirements<\/span><\/li>\n\n\n\n<li>&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">If you invest in value-add properties or have extended turnover periods, vacancy rules matter.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Tenant-caused damage limitations<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Many landlords assume that if a tenant causes damage, insurance will cover it. <\/span><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> is not always the case. Some policies exclude:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Tenant negligence<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Intentional damage<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Pet-related damage<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Smoke damage from careless behavior<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Review this section closely, especially if you allow pets or rent to higher-turnover tenants.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Maintenance obligations<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Insurance policies often include <\/span><strong><span data-preserver-spaces=\"true\">conditions <\/span><\/strong><span data-preserver-spaces=\"true\">requiring you to:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Keep <\/span><span data-preserver-spaces=\"true\">heat<\/span><span data-preserver-spaces=\"true\"> on during freezing weather<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Maintain plumbing and HVAC systems<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Monitor and repair roof leaks<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Manage mold proactively<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Failure to meet these obligations can void a claim, even if <\/span><span data-preserver-spaces=\"true\">the damage would otherwise be covered<\/span><span data-preserver-spaces=\"true\">.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Loss of rents coverage details<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">If a covered loss makes your rental uninhabitable, <\/span><span data-preserver-spaces=\"true\">loss of rent<\/span><span data-preserver-spaces=\"true\"> coverage replaces your income. But pay attention to:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Time limits (often capped at 12 months)<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Payout caps<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Exclusions tied to specific hazards<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">This coverage is crucial for protecting cash flow, especially during lengthy repairs.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Policy sublimits<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Even if your <\/span><span data-preserver-spaces=\"true\">main<\/span><span data-preserver-spaces=\"true\"> coverage is strong, sublimits can quietly restrict certain types of claims. Common sublimits include:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Mold remediation<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Debris removal<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Tree damage<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Ordinance or law upgrades<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Theft of landlord-owned property<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">These can drastically reduce payouts if you don\u2019t expect them.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Required documentation processes<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Before signing, understand what documentation your insurer requires during a claim, including:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Photos or videos of damage<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Receipts for repairs<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Proof of maintenance history<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Tenant communication logs<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Policies often specify these requirements in the \u201cConditions\u201d section.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">These <\/span><span data-preserver-spaces=\"true\">smaller<\/span><span data-preserver-spaces=\"true\"> details might not seem urgent during onboarding, but they can become <\/span><span data-preserver-spaces=\"true\">major<\/span><span data-preserver-spaces=\"true\"> problems in a crisis. Completing these bonus checks ensures your policy performs exactly how you expect when it matters most.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Why Having an Investor-Focused Insurer Matters<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">By now, you\u2019ve seen just how many moving parts go into a landlord insurance policy. <\/span><span data-preserver-spaces=\"true\">From exclusions to <\/span><span data-preserver-spaces=\"true\">roof age<\/span><span data-preserver-spaces=\"true\"> restrictions to water damage <\/span><span data-preserver-spaces=\"true\">nuances<\/span><span data-preserver-spaces=\"true\">, there\u2019s a lot for investors to keep track of.<\/span><span data-preserver-spaces=\"true\"> And the truth is, most landlords don\u2019t have the time <\/span><span data-preserver-spaces=\"true\">nor<\/span><span data-preserver-spaces=\"true\"> desire to become insurance experts.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">That\u2019s why working with an insurer <\/span><span data-preserver-spaces=\"true\">built specifically<\/span><span data-preserver-spaces=\"true\"> for real estate investors can make all the difference.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Steadily specializes in <\/span><strong><span data-preserver-spaces=\"true\">landlord-first coverage<\/span><\/strong><span data-preserver-spaces=\"true\">, meaning they design every policy, workflow, and support system around the realities you deal with every day. Here\u2019s what that means for you.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Clear, transparent policies (no hidden surprises)<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Steadily\u2019s focus on rental properties means their policies are built for the exact scenarios covered here. Instead of ambiguous terms buried in dense documents, they use clear language and investor-friendly structures so you understand what is and isn\u2019t covered, why certain exclusions exist, and how to avoid preventable claim issues. It\u2019s insurance written for landlords, not repurposed for them.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Fast, digital-first quotes when you\u2019re under contract<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">If you invest regularly, you already know that insurance can be one of the most painful bottlenecks when closing. Calls, back-and-forth emails, and slow approvals can all waste time. When you\u2019re trying to hit a contract deadline or bind coverage for a new rental, speed matters.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Steadily removes that friction by <\/span><span data-preserver-spaces=\"true\">giving<\/span><span data-preserver-spaces=\"true\"> landlords instant online quotes, rapid underwriting turnarounds, and a modern dashboard for managing all <\/span><span data-preserver-spaces=\"true\">your<\/span><span data-preserver-spaces=\"true\"> properties.<\/span><span data-preserver-spaces=\"true\">&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Coverage designed for real-world landlord risks<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Because Steadily works exclusively with landlords, their policies automatically account for:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Vacancy-related exposures<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Short-term rental needs<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Tenant-caused damage<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Loss of rent<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Liability concerns specific to rental properties<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">You don\u2019t have to piece together coverage or guess which endorsements you need. Steadily helps you get it right from the start.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Support from people who understand rentals<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Whether you\u2019re dealing with a claim, asking about coverage, or insuring a full portfolio, Steadily\u2019s team understands landlord concerns like habitability rules, state-specific risks, renovations and value-add projects, and cash flow protection needs. That context matters when you need fast, accurate answers.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">With so many complex details hidden in a landlord insurance policy, partnering with an insurer that specializes in rental properties makes your life dramatically easier. Steadily helps eliminate blind spots, reduce risk, and protect your cash flow with confidence.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Get a quote in <\/span><span data-preserver-spaces=\"true\">minutes<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Steadily\u2019s digital-first process lets you:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Compare landlord-ready coverage options quickly<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Avoid confusing paperwork and endless back-and-forth emails<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Bind a policy fast when you\u2019re under contract<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Whether you own a single rental or a growing portfolio, the right coverage is your safety net.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><span data-preserver-spaces=\"true\">Protect your investments with confidence. <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Get a fast, landlord-specific quote from Steadily today<\/span><\/a><span data-preserver-spaces=\"true\">.<\/span><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">The best time to close your coverage gaps is <\/span><em><span data-preserver-spaces=\"true\">before<\/span><\/em><span data-preserver-spaces=\"true\"> something goes wrong. Steadily helps you do <\/span><span data-preserver-spaces=\"true\">exactly<\/span><span data-preserver-spaces=\"true\"> that.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>This article is presented by Steadily. If you\u2019re like most landlords, you probably assume that once you pick a policy and pay your premium, you\u2019re covered. Simple, right?&nbsp; Unfortunately, that [&hellip;]<\/p>\n","protected":false},"author":613776,"featured_media":185406,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7401],"tags":[],"class_list":["post-186376","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"acf":[],"comment_count":0,"_links":{"self":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts\/186376","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/users\/613776"}],"replies":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/comments?post=186376"}],"version-history":[{"count":0,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts\/186376\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/media\/185406"}],"wp:attachment":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/media?parent=186376"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/categories?post=186376"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/tags?post=186376"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}