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Landlord insurance in Ogden, Utah
Utah is a semi-landlord-friendly state with laws that preserve the rights of landlords. There are no rent control laws, the statutes for eviction are straightforward, and there is flexibility for the landlords to assign rent payments. However, the property prices are steep, and the entrance barrier is higher than in other states such as Georgia. The median house sale was $455,000 in 2021, and the cost of living is above average. As a landlord in Utah, it is essential to read the landlord-tenant laws thoroughly. Here are some highlights:
- Landlords must issue 24-hour notice before entering the property
- The four mandatory disclosures in Utah are lead-based paint, authorized agents, lease copy, and itemized list of damages.
Who needs landlord insurance in Ogden UT?
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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