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Landlord insurance in Dayton, Ohio
The good news is Ohio is a landlord-friendly state. Here are helpful Tips on Being a Landlord in Dayton OH: Security Deposits – Landlords in Ohio can charge as much as they like for security deposits. However, the Landlord is required to return the security deposit within the 30 day period of a tenant moving out. If the landlord fails to comply, they must give tenants a letter of explanation and a list of the deductions via mail or personally.Eviction – If the tenant has violated their lease agreement, there is a three-day grace period in which they can amend the violation before the landlord can file an eviction.Notice for Entering the Property – Landlords may only enter the unit without permission in the event of an emergency. Landlords must give an advanced notice 24 hours before entering the rental unit.Rent Control – There are no rent control restrictions on landlords increasing rent. They do have to give sufficient notice. For example, for month-to-month renters, the landlord must provide notice 60-days before.
Who needs landlord insurance in Dayton OH?
Landlord insurance (also known as rental insurance) is a policy for people who rent their homes to others. Landlord insurance is not required for a landlord, but insurance can bring many benefits:
Because of modern safety codes, fires have become rarer, but the fires that do start tend to cause total destruction of the property.
Broken pipes and appliance leaks are the most common and overall the most expensive property damage for rental properties.
Windstorm, hail, & lightning
Roof damage from storms has become increasingly common as the intensity and frequency of storms have increased over the last two decades.
Liability protection covers the cost of defending you and settling claims from tenants and their guests for injuries sustained on your property.
Riot and civil commotion
When violent protests break out, riot coverage can pay to fix property damage caused by looters and protestors.
Vandalism & theft
Malicious mischief coverage, as it’s known, covers repairs to broken glass, graffiti removal, and replacement of stolen or damaged property like shared washing machines.
Injury protection can keep you from getting stuck with the cost of medical bills if a tenant or visitor gets injured on the property.
Many policies also include coverage for a long list of other perils such as riots or civil commotion, explosions, volcanic eruptions, and damage caused by vehicles.
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