Why Bergen County landlords need landlord insurance
Bergen County's strong residential rental market means many landlords need dwelling-fire coverage and landlord liability their homeowners policy won't provide. A homeowners policy is for an owner-occupied home — once you rent it out, you need a dwelling-fire (landlord) policy, or a claim can be denied outright.
What landlord insurance covers in Bergen County
- Dwelling / Building — the rental structure itself against fire and covered perils.
- Landlord Liability — tenant or visitor injury claims on the property.
- Lost Rental Income — rent you lose when a covered loss makes a unit uninhabitable.
- Other Structures — detached garages, fences, and structures on the property.
Getting the right coverage in Bergen County
The right policy depends on your specific situation, and we size it to match rather than selling a one-size-fits-all package. As an independent agency, we compare multiple carriers instead of pushing one company's products.
Working with a local Bergen County agent
Serving Paramus, Fort Lee, and Ridgewood and all of Bergen County, Kevin Brown Insurance Agency explains the coverage in plain language and places it correctly the first time.