Wing Lai > Broker > HomeLife Landmark Realty Inc. Diligently & Sincerely Serving Bonis Ave. & Agincourt Community for over 10 years and counting

Landlord's Insurance


業主保險
擁有出租物業是一項重大投資,所涉及的風險亦多過僅僅購樓自住。因此,您需要業主保險來保障您的投資。有數種保險可供您的出租物業考慮。
 
責任(第三方責任)保險
您可能不對您租客的財物失竊或其他損失負責,但您對租客在您物業中遇到的任何意外都負有責任。責任保險給您的保障在於,一旦您的租客因跌到或被不公逐出而告您,或出現其他類型的索賠官司時,您可以免受巨大的財務損失。如果您沒有採取合理的預警措施來確保安全,例如定期維修、更新或對您無法處理的危險張貼警示,就可能惹出身體傷害的官司。
 
建築保險
該保障保的是您的物業因火災、水浸、爆管等隱患而蒙受的損失。
 
財物保險
與建築保障完全獨立且截然不同,財物保險保的是家俬(如果是帶家俬的單位)、牆壁、地板、燈具、電器及冷暖氣系統的受損。您保的財物越多,保費越高,因此請優先考慮最重要的。
 
租金損失保險
該保障可以在您的租客毀約、拒付租金或您將其逐出時,賠償您的租金損失。您的保單只保某段期間,因此請了解您的受保範圍。
 
緊急援助保險
您離您的出租物業越遠,就越難實施監控管理。因此,當您不在場時一旦發生意外,例如電線起火或管道破裂,緊急保險將有助於減輕這些不可預見及可能費用不菲的維修帶來的影響。
 
法律開支保險
業主的另一重保障是法律開支保險,這在您試圖依法追討被租客拖欠的費用,例如房租、損害賠償金,或您將其依法逐出的費用時,可能用到。
 
在您物業上的非法活動
保護您的投資物業,第一步就是認真甄選及監控租客,譬如預先索要其社保號碼及向其推薦人核實情況。您還可以通過要求租客購買租客保險,以及要求只用支票付款。在出租期間,定期檢查出租單位。

LANDLORD’S INSURANCE

Owning rental property is a major investment and involves more risks than simply buying a home to live in yourself. That’s why you need landlord’s insurance to protect your investment. There are several kinds of coverage to consider for your rental property.

Liability (third party liability)
You may not be responsible for your tenants’ belongings in case of theft, fire, or other damage, but you are liable for whatever happens to your tenants on your property. Liability insurance protects you against major financial loss should your tenant sue you for a fall, wrongful eviction, or other types of lawsuit claims. The case for physical injury applies if you haven’t taken reasonable precautions to ensure safety, such as regular maintenance, upgrades, or posting warning against perils that you can’t address.
 
Building insurance
This form of coverage protects you against property damage from risks such as fire, floods, burst pipes, etc.
 
Contents insurance
Separate and distinct from building insurance, contents coverage insures you against losses as a result of damage to your furniture (if it’s a furnished unit), walls, flooring, fixtures, appliances, and heating/cooling systems. The more contents coverage you want, the more it will cost, so prioritize what is most important.
 
Loss of rent
This insurance compensates you for any loss of rent if your tenant breaks their lease, refuses to pay rent, or you evict them. Your policy will cover you for a certain period, so find out your coverage limits.
 
Emergency assistance
The farther you are from your rental property, the tougher it is to keep tabs on it. So when things go wrong in your absence, such as an electrical fire or a burst pipe, emergency coverage will help to lessen the impact of costs associated with these unforeseen and potentially costly repairs.
 
Legal expenses insurance
Another layer of protection for landlords is coverage legal expenses, which you can incur while attempting to recover legally owed costs by tenants, such as rent, payment for damage, or the cost for you to legally evict them.
 
Illegal activity on your property
The first step in protecting your investment property is to carefully screen and monitor tenants, such as requesting their social insurance number and checking references beforehand. You can also protect yourself by insisting on tenant’s insurance, requesting a damage deposit, and insist on cheque payments only. While renting the property, conduct periodic checks on the rental unit.
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