With 49.4% owner-occupancy, a great many Nogales households are landlords. The claims that come from that are frequently not about damage at all.
Wrongful eviction and invasion of privacy fall under personal injury cover, which is optional on many umbrellas.
Three things about claims that involve no physical injury.
Personal injury cover on a policy generally includes wrongful eviction, wrongful entry and invasion of privacy. Those are the claims a landlord is most likely to face after a tenancy ends badly, and they are entirely separate from property damage or bodily injury.
Personal injury is included on some umbrellas, offered on others and excluded from many. An owner who assumes their landlord policy and umbrella cover every kind of tenant dispute may find the relevant grant is simply not there.
Following Arizona’s notice and court procedures rather than changing locks or removing belongings is what prevents most of these claims. Insurance pays for defending an allegation; it does not make an improper eviction proper.
Landlord exposures that are not about buildings.
Ask by name. It is the grant that answers these claims.
More tenancies, more chance of one ending badly.
The cheapest protection and the one insurance cannot replace.
Tell us how many properties you rent out and whether your umbrella includes personal injury.
We check for the personal injury grant, which landlords need most.
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