Much of the Tucson rental stock predates the subdivisions by decades. A landlord policy quoted on a default assumption about age and systems is a policy quoted on the wrong house.
Carriers price rentals on roof, wiring, plumbing and panel. On older stock those four decide everything.
Three things about insuring rental housing that has been standing a while.
Roof, electrical panel, plumbing and water heater. Carriers ask for all four on a non-owner-occupied property and some decline outright above certain ages. An owner who does not know them is quoted defensively, and a defensive quote is always the expensive one.
Some older electrical and plumbing types are declined by most carriers regardless of condition. That is an underwriting position rather than a judgment about your property, and knowing which you have tells you whether a quote is going to be straightforward or a search.
Where a system is the only thing limiting the market, the cost of replacing it can be recovered in premium difference faster than owners expect, and it removes the annual uncertainty at renewal.
The four dates and what they open or close.
The single largest factor on an older rental and the first question every carrier asks.
Some types are decline-on-sight for most companies. Better to know before applying.
Water is the most frequent rental claim. Carriers price these directly.
Send the four dates: roof, panel, plumbing and water heater. They decide the quote.
We ask the four questions carriers ask, so the quote comes back accurate.
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