MIKE LAWRYINSURANCE SERVICESCalifornia Personal Lines Insurance License #0K69768
MIKE LAWRY INSURANCE SERVICES
The right place to start is how the property is being used today and what’s planned next. A long-term tenant, rotating vacation guests, a vacant building and an active renovation each call for a different coverage conversation.
For a leased home, review building coverage, landlord liability, and whether the policy includes loss of rental income after a covered loss. Tell Mike if you rent part of an owner-occupied property or if the property has multiple units.
Explain how often the home is rented, the typical length of a stay, and whether you use it personally. If you book through a rental platform, share any protection it provides so you can compare that protection with the terms of an insurance policy.
Tell Mike when the property became vacant, when it will next be occupied, and what work is planned. Ordinary rental coverage may limit losses during vacancy or construction. For substantial work, ask about course-of-construction coverage and how to transition when the property is ready for tenants.
Insurance products, carrier availability, eligibility, and coverage options vary by state, location, and individual risk. Not all products or coverage options are available in every state. All coverage is subject to carrier underwriting, policy terms, conditions, and approval. Submission of a quote request does not bind or guarantee coverage.