A property used as a rental presents a different insurance exposure than a home occupied by its owner. A quote review generally needs the property details plus the number of units, occupancy status, rental arrangement, monthly rental income, and other features that may affect underwriting.
Long-term tenants, seasonal rentals, short-term rentals, vacancies and renovations can be treated differently by carriers. The accurate use of the property matters more than trying to fit the risk into the cheapest-looking category.
The quote may also consider dwelling or rebuild value, liability, loss-of-rents exposure, pools, dogs, outbuildings, prior insurance and claims history.
If you own several rentals, each address may need its own underwriting information even when the properties are managed together.
Start at cjhadisa.com/quote/landlord. C.H.A. will review the submitted property information against the rental-property markets currently available.
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