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      Landlords/Tenants

Whether you're a landlord or a tenant, you face many different insurance-related issues such as preventing water damage, liability and knowing how much coverage you really need to protect you and your assets.

In this section, you'll find facts related to many of these issues and tips to help prevent or reduce loss.

Renters Insurance -- Understanding the basics of Renters Insurance.

How Much is Enough -- To understand how much insurance you need for your house, you need to know what it will cost to rebuild it. Tips from the Insurance Information Institute.

C.L.U.E. & A-Plus -- Past claims can affect how much you pay for insurance on a new home. Get a C.L.U.E. on Loss History Reports.

Credit-based Insurance Scoring -- What does credit have to do with your insurance? Discover how maintaining good credit can save you money.

Preventing Water Damage/Mold -- Standard Homeowners and Renters Insurance policies do not cover water damage such as mold and rot unless it is caused by a covered loss. Damage from a leaky roof or moisture that accumulates from unventilated cooking or showers. Proper maintenance can prevent most water damage losses. Also review our Maintenance Guide.

Dog Bite Liability -- If your pet dog bites someone, you are liable for damages. Find out how homeowners and renters insurance can protect you.

Save Money on Insurance -- The cost to repair and rebuild damaged property continues to rise. But that doesn't mean there aren't ways to save money on your insurance. Find out how.

Remodeling Your Home -- Making significant upgrades to your home can impact your insurance. Whether you're adding a deck, a garage or a new room, you're adding more to your house, meaning you may need more coverage. Tips from the Insurance Information Institute.

Home Inventory -- Taking a home inventory can help you decide how much insurance you need. Download a free Home Inventory software.

Home Protection -- Is there a worse feeling than coming home from a long vacation to find your home burglarized? Tips for preventing burglary.

Insuring Your Home-based Business -- If you're a home-based business owner, don't assume your homeowners or renters insurance will cover losses to your business. Things like lost wages and damage to business records require appropriate coverage. Find out how to insure your home-based business.

Filing a Claim -- If you do suffer a loss, your insurance company is there to help you get back on your feet. It's important to understand how to file a claim.

Winterize Your Home -- Extreme cold temperatures can damage your rental home. Frozen pipes and ice dams are just a few of many winter-related disasters. Find out how to protect your home.

More Insurance Information

Hot Topics -- Find out more facts on other insurance issues.

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If you have questions, please call NW Insurance Council's consumer hotline at (800) 664-4942.

NW Insurance Council is a nonprofit, consumer-education organization funded by member insurance companies.