Match coverage to property use
Long-term rentals, short-term rentals, renovations and vacant buildings can require different terms. Tell the team about every intended use and any change in occupancy.
Review property and liability terms
Ask about insured values, deductibles, liability limits, loss-of-rent provisions and exclusions. Flood, wind, ordinance and equipment exposures may need separate discussion.
Check lender and contract requirements
Compare requirements with the actual policy and endorsements. Provide general property information in the initial inquiry; request a secure method before sharing private tenant or financial records.