Whether partially owner occupied or 100% leased, a multi-family dwelling requires special coverage’s. Rental units contained in a multi-family dwelling bring in income for the Owner, and that income needs to be protected. A special rider is required for the protection of income that is not realized during a period of reconstruction following a covered loss. You will still be responsible to pay mortgage payments, taxes and other expenses even though your tenants have not been paying rent due to their inability to utilize the property. This can be one of the wisest decisions a property owner can make to protect their long-term interests and investment. Multi-family properties are also able to be protected under the proper Umbrella Policy.
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