f you’re content to be happy with any landlord insurance quote, you’re going about things all wrong!

Instead, you need to make sure that your quote comes with these 3 things:

Options

Your landlord insurance quote needs to meet your exact needs.  If that means adding certain things — like extra liability insurance — you should be able to do it quickly and easily.  No matter what situation you’re in, good landlord insurance isn’t one-size-fits-all.

Think of it this way — if you can substitute a baked potato for fries at your local fast food joint, you should be able to make some changes to something as important as your landlord insurance quote without any trouble!

Flood insurance

In most cases, flood insurance is a completely separate entity.  You usually have to buy it all by itself — meaning you have to add one more bill to the pile every month.   There’s nothing like a “flood” of checks going out the door to make you feel terrible about your financial situation!

Luckily, though, a good landlord insurance quote will eliminate that extra headache by including affordable flood insurance in your policy.

Equipment breakdown insurance

You would probably think of this if you were getting a commercial insurance policy, but it’s vital to your residential landlord insurance, too.

Think about it — you’re got equipment that’s essential to keeping tenants in your building, paying their rent.  If the air conditioner breaks or if the refrigerator stops working (and you don’t have the money to fix them right away), tenants may be able to break their leases and move out.  If you want to keep everything running — without the risk of major repair and replacement bills hanging over your head — you need to make sure your landlord insurance quote includes equipment breakdown insurance.

If your quote leaves it out, you might be the one having a breakdown down the road!