Knowledge Center

Understanding Your Rental Property Insurance Policy

If you’re buying an investment property as a rental, mortgage providers require insurance coverage and understanding the types of...

Genstone Insurance

2 min read

Why Landlord Insurance Instead of Standard Homeowners Insurance for Your Investment Property

Landlord Insurance versus Homeowners Insurance

Genstone Insurance

1 min read

Covering Real Estate Investment Liability Risks

Genstone Insurance

1 min read

My Tree Fell on a Neighbor’s Property – Who Pays for Damages?

Tree ownership is determined by where the trunk of the tree is, not the overhang. If the trunk is on your property, you own it. If the...

Genstone Insurance

1 min read

Insurance Deductibles and Why They Matter

Insurance deductibles and why they matter

Genstone Insurance

1 min read

My Property Doesn’t Have a Basement - Why do I Need Back-up of Sewer and Drain Coverage?

Standard home insurance does not include sewer and drain and you might think if you don’t have a basement, you don’t need it anyway – but...

Genstone Insurance

1 min read

Why Should I Check My Vacant Property Frequently?

The most obvious reason for vacant property checks is vandalism. You want to make sure your property is not being tagged with spray paint...

Genstone Insurance

1 min read

Co-Insurance - What it is and How It Works During a Real Estate Investment Claim

Co-insurance is an agreement with an insurance company to carry enough replacement insurance to cover a predetermined percentage of the...

Genstone Insurance

1 min read

How to Document Damage for an Insurance Claim

We always encourage clients to take photos before, during and after renovations or construction because you never know when damage might...

Genstone Insurance

1 min read

Insuring for Replacement Cost versus Market Value

These two terms are related but certainly not equal. Replacement cost is the amount it would take you to replace or rebuild what you have...

Genstone Insurance

1 min read

How Many Policies Should I Carry on my Multi-Unit Property?

Insurance for a multi-unit property is much different than for your own home and you want to make sure you have complete coverage so you...

Genstone Insurance

1 min read

Why Bother with Rental Agreements?

The simplest reason to have written rental agreements is to avoid costly litigation and a lot of “he said/she said” down the road. While...

Genstone Insurance

1 min read

The Importance of Renter's Insurance

It’s important to require renters insurance from each of your tenants because you can’t control what happens in and around your rental...

Genstone Insurance

1 min read

Background Checks are a Waste of Money - Right?

Background checks should be used for every tenant every time, even if the renter is a friend or relative. As well as you might think you...

Genstone Insurance

1 min read

Pictures Can Tell a Story with Tenants

Whenever you rent a car, the car rental company walks outside with you around the entire vehicle and then you are required to sign off on...

Genstone Insurance

1 min read

Things to Know About Filing an Insurance Claim

Eventually, every person files an insurance claim for one thing or another so there are some important things to keep in mind and some...

Genstone Insurance

1 min read

Articles published on this site are the opinion, views and perspectives of Constructive Insurance licensed insurance agents. The opinion expressed on this website are to provide perspective and additional insight in order for you to make an informed decision. Please be aware that the opinions are for informational purposes only and do not constitute express advice for any specific situation. The viewpoints expressed on this website are broad and readers should review their individual circumstances and discuss their situation with a licensed insurance agent prior to making any decisions. We do not accept any liability for decisions made based on the information provided. Please consult your insurance advisor prior to making changes to your policy.