业主保险
什么是业主保险？
Landlords’ insurance is an insurance policy that covers a property owner from financial losses connected with rental properties. The policy covers the building, with the option of insuring any contents that belong to the landlord that are inside. Landlords’ insurance is often referred to as buy-to-let insurance, however buy-to-let insurance is a type of landlords’ insurance. It is important to distinguish between buy-to-let insurance which generally covers one property that has been purchased with a buy-to-let mortgage, and multi-property insurance, which covers two or more properties. Each of these types of landlords’ insurance covers different things.
业主保险通常涵盖什么？
- 该政策通常涵盖标准危险，例如火灾，闪电，爆炸，地震，风暴，洪水，水/油逸出，沉陷，盗窃和恶意破坏。每个保险单都不同，可能包括也可能不包括所有这些项目。可选保险可能包括意外损坏，租户恶意损坏，恐怖主义，法律保护，替代性住宿费用，财产保险，租金保证保险和责任保险。
Landlords’ insurance policies typically do not cover any personal property belonging to tenants, or otherwise protect the interest of tenants; although a liability policy protecting a landlord or property manager will be of benefit to tenants should they incur a loss for which the landlord is responsible.
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