As students head back to class and families settle into new routines, landlords near schools and universities often experience a seasonal shift. Whether you rent to college students, families with school-aged children, or short-term tenants moving for the academic year, now is a great time to review your rental property insurance coverage.
At Sea Mountain Insurance, we understand the unique needs of property owners during the back-to-school season. Here are a few reasons to check in on your policy:
New tenants bring new exposures. If you manage student housing or rent units near a campus, high turnover is common. Make sure your policy accounts for vacancy periods and tenant-caused damage.
With kids walking to school, carpool pickups, and general foot traffic increasing, liability issues can creep up fast. Ensure your liability limits are high enough to protect you from potential slip-and-fall claims or injuries on your property.
While your policy won’t cover tenants’ belongings, you can encourage them to carry renters insurance—and protect yourself with the right landlord coverage that includes damage caused by tenants or unexpected events.
If you rent multi-unit properties or shared spaces to students, think about the extra wear and tear that comes with high-use areas. Damage, noise complaints, or safety hazards should all be considered in your coverage.
More tenants and more movement often means more risk. An umbrella policy offers extra liability protection on top of your existing policies and is a smart move for landlords during busy seasons.
Let’s Talk Coverage Before the School Bell Rings
Don’t wait until there’s a problem to find out you’re underinsured. Our experienced agents at Sea Mountain Insurance will review your current coverage, help you understand your exposures, and recommend smart, affordable protection options.
Contact us today to make sure your rental property is ready for the school year ahead!
