Legal

Rental vs. Landlord Insurance

Renters insurance and landlord insurance both involve rental properties, but these two types of insurance cover different things. Think of them as two sides of the same coin. Landlord insurance covers assets the landlord owns (the house or apartment), while renters insurance covers assets owned by people renting the property (the belongings inside). Both landlord …

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Vacant or Unoccupied? For Insurance Coverage, the Difference is Important

The two terms “vacant” and “unoccupied” might appear to be synonymous, even interchangeable in general conversation, but they are distinctly different when it comes to property insurance coverage.   Insurance policies do not often provide clear definitions for vacant or unoccupied properties. Policies contain vacancy exclusions but not unoccupancy exclusions. So, determining whether a property …

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When to Hire a Public Adjuster vs Attorney for Commercial Property Loss

When you manage a commercial property loss for your business, things can get complicated very quickly. You must resolve issues related to building repairs, damaged personal property, and lost business income. You must establish a working relationship with repair contractors, service professionals, and property insurance claim adjusters. These efforts will take up a lot of …

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