Rental Property Insurance

Have you diversified your retirement portfolio by investing in one or more rental properties? These require additional care and maintenance, similar to your home. FIFS can help you navigate some of the complexities of insuring these properties in order to maximize the return on your rental investment.

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Rental Property Insurance FAQs

Should I include any restrictions in the lease agreements I have with my tenants?

Yes. We recommend the following be included in your lease agreement:

Annual proof of a tenant-homeowners policy
Annual proof of a tenant-homeowners policy
Liability coverage of at least $300,000/occurrence
No dogs or pets
No smoking
No pools
No trampolines
No boarding of multiple persons or families
No water beds
No skateboard ramps

My rental property has a finished basement. Do I need extra coverage for it?

Yes. If the building’s drain lines are connected to a public sewer system, water backup from that system could cause water damage. The basement could also suffer water damage if the sump pump fails. The “Sewers, Drains, and Sumps Endorsement” can be purchased if it is not already included in the dwelling fire policy. It’s not required, but this coverage is important for a finished basement.

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“We couldn’t ask for anything more..."

They are experts in their field. They provide efficient, proactive, knowledgeable advice. And they work hard on our behalf. We couldn’t ask for anything more and I would highly recommend them for all your personal and business insurance needs.

Jessica M.
Telford

“A great community asset!"

I appreciate the expertise that FIFS provides in aligning product offering with what I actually need. I especially appreciate the professionalism and kind approach from their staff. They are a great community asset!

Robin L.
Perkasie

“The best at what they do!"

FIFS has been our church’s insurance connection for as long as I’ve worked here, 17 years. They have been there for every need, question and problem that we have had. They have responded to all issues with calmness, quick answers and clear guidance.

Leslie R.
Telford

“Second to none!"

FIFS service and personal attention is second to none! It is a pure pleasure dealing with Joanne for our business insurance and my homeowners insurance is always burden-free due to the knowledgeable staff.

Tim M.
Souderton

“...an A+ for their service..."

The strengths of FIFS are their staff and personal service. They are always quick to respond to phone calls or email. They go above and beyond what other companies might do. I would give FIFS an A+ for their service and expertise.

Cheryl O.
Spring Hill Realty

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Rental Property Insurance