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Landlord Product



This description is not a policy. The contract contains limitations and exclusions. All provisions of the policy apply.


The Landlord product provides protection against loss of property on an All Physical Loss basis, with exclusions. It also provides protection against liability claims that may arise out of ownership of rental property.


This product is available for the very best rental homes 30 years old or newer and insureds, which meet other guidelines.


The product includes:

  • The insured amount for the Dwelling;
  • 10% of that amount for Other Structures;
  • 5% of that amount for Personal Property;
  • 20% of that amount for Loss of Use;
  • Personal Liability including Personal Injury (Libel & Slander) with a limit of $100,000 to $1,000,000;
  • Dwellings and, Other Structures are insured at replacement cost;
  • Personal Property is covered at actual cash value.

Additional Coverages include:

  • Back-up of Sewers - $500 limit included;
  • Ordinance or Law - 10% of A included;
  • Loss Assessment - $1,000 included, Section I & II;
  • Fungi, Rot or Bacteria caused by a covered loss up to $500 included.

If you would like information about any of the Products United Heritage Property & Casualty has to offer please contact us at (208)493-6200, (800)877-8862, or click here to locate an agency.