LandLord Insurance Question

[Richard Ma]

Hi I was wondering is Travelers Landlord insurance good? Im getting another quote from Allstate for landlord insurance too If you have to pick which one you will get?

[Aaron Porter]

Both travelers and Allstate are good carriers, and are easy enough to work with when it comes time to file a claim... the products (policies) that they offer are going to be almost identical with the exception of how much coverage you are placing in each category of the policy, and you "the client" is the one that dictates what those amounts are.  That is really the only things that change around and effect the cost of the insurance.

Property/auto insurance rates are very cyclical. meaning that this year Allstate may be the most cost effective for your property in your zip code, but next year it is going to be liberty mutual, in 3 years it is going to be nationwide and in 5-7 years all state is going to be the cheapest again.  Property/auto insurance is also very fickle, you can get a quote for coverage 1 day and 2 days later the price will change.