All Forum Posts by: Owen Rosen

 HO-3 is a type of homeowners policy - owner occupied.

Some property policies might offer LIMITED coverage for domestic workers but that is in no way workers compensation.

What large insurance companies are currently offering landlord insurance quotes fully online?

 I strongly disagree with this strategy.  It's not really even a strategy since most companies that offer direct online sales don't really offer landlord policies as I pointed out.  Also, you listed workers comp in the list of coverages?  Huh?

If you try to DIY you're likely to be upset if you ever need the insurance.  Same with working with a call center with poorly trained, underpaid, overworked, agents.

 GEICO does not have their own landlord insurance product. Progressive recently stopped offering landlord policies through ASI which was the property insurance company they purchased and offer products through.  They do have a small business product that can work for 1-4 unit dwellings in some states.

Overall, the strategy of going to one of the "big companies" and working with a call center is not one I'd recommend.  Do you really want to deal with an 800-number call center to insure a valuable asset?  Frankly, do you want to work with a call center for anything?  They're miserable.

Sent a DM

rentalpropertyinsurancequote.com

What do you mean by not standard?

Sent a DM

http://apartmentbuildinginsurancequote.com/

An insurance agent can't make this call and it's not the right question to ask.

The question is whether or not the driveway is a safety hazard.  It appears to be one.  The tenant pointed it out on top of your duties as the property owner.  You now have an internet post acknowledging you were aware of the issue.

So, would the insurance company cover you considering you had a maintenance issue that you were aware of and chose not to fix?  They probably would but you're giving them reasons to make things more difficult.

Just patch the driveway and make it safe.

 On the insurance side typically there is a maximum (usually very nominal) amount that can be paid to anyone that isn't licensed.  Residential/commercial not a factor.

 Do you use the van for anything other than visiting your properties?

It's probably in a gray area.  That said, the pricing difference for business use on a personal lines policy vs. commuting or pleasure usage is likely nominal.