Renting a detached house in a family suburb is a different exposure from renting an apartment. More contents, a yard, a garage and considerably more ways for a liability claim to arrive.
A tenant in a house is responsible for more of what happens on the property than a tenant in a unit.
Three things that change when the rental is a house rather than a unit.
Garage contents, yard equipment, tools, bikes and a whole extra floor of furniture. Contents limits set from an apartment-sized default are routinely well short for a four-bedroom rental, and the shortfall only appears at a total loss.
A guest injured on the path, a dog, a trampoline or a pool at a rented house all sit under your personal liability rather than the owner’s, because you control the premises. In an apartment much of that belongs to the building; in a house it does not.
A tenant who causes a fire or a flood can be pursued by the owner’s insurer for the cost of the building repair. That is what the liability section of a renters policy is for, and it is the part that dwarfs the contents in money terms.
The questions a house rental raises and an apartment does not.
Including the garage, which is where the expensive and forgotten things live.
Pool, trampoline, dog. Each one changes the liability conversation and some change which carriers will write it.
Usually left at the lowest option. It is the cheapest part of the policy to increase.
Tell us it is a house rather than a unit, and what is in the garage and the yard.
We size a house rental properly instead of quoting it like an apartment.
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