If you're a landlord you need house rental insurance to protect your investment. This is true whether you rent on a regular basis or just rent occasionally as a vacation house. What does this insurance cover and how can you get the best deal?

Included and Optional Coverages

Landlord policies typically cover physical loss to your property in the event of perils such as:

* Fire

* Explosion

* Lightning

* Windstorm

* Hail damage

Both condos and homes can be covered by these policies. However, if you're renting out a condo, check to see what the association policy covers so you don't over- or under-insure your property.

The policy covers the actual building you rent out, as well as other buildings on the property and any personal property you leave at the site for tenants to use.

Other coverage options you may be able to add to your policy, depending on your insurer and your state, include:

* Replacement cost coverage on the home

* Liability coverage

* Coverage for theft

* Coverage for vandalism

* Loss of rents

* Landlord Personal Liability Coverage

Shop Around for the Best Deal

To find the best rate on your house rental insurance, you need to take the time to shop and compare quotes from different companies. Getting at least three quotes is a good idea.

The fastest way to get quotes is to go to an insurance comparison website. On this kind of website, you type in information about your rental property and your insurance needs. Once you submit the information, you'll soon begin to receive quotes from a variety of A-rated companies bidding for your business.

On the best comparison sites, you can even chat with insurance experts and get answers to any questions you may have.

Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get house rental insurance quotes from top-rated companies and see how much you can save. You can get answers to your questions from an insurance expert through their online chat service.