When it comes to protecting your rental property, most landlords think first about property damage—storms, leaks, or wear and tear. But the greatest financial risk isn’t always the house itself. It’s the lawsuit that could follow an accident on your property.
That’s where landlord-specific general liability insurance comes in—and why the protection offered through Verandah Properties and SureVestor is such a powerful safeguard for our clients.
Why Liability Coverage Matters
Owning a rental property means you carry responsibility not just for bricks and mortar, but for the safety and well-being of tenants and their guests. If someone slips on the driveway, trips on a loose step, or experiences injury inside the home, you could be held financially liable.
Judgments in these cases don’t stop at the value of the property. They target your personal assets—savings, retirement accounts, even your other properties. That’s why liability coverage is about protecting you, not just the house.
What Makes SureVestor Different
Our liability protection is not a typical homeowner’s policy. It’s a landlord liability policy written specifically for rental properties managed by professionals like Verandah Properties. Insurance companies know that professionally managed homes carry lower risks:
Maintenance issues are addressed promptly.
Lease terms are enforced consistently.
Safety standards are monitored by experienced professionals.
For that reason, SureVestor only extends this $1M liability coverage with no deductible to properties under full professional management. It’s their way of rewarding the reduced risk that comes from having an expert team in place.
It’s Not About Property Value
A common misconception is that liability coverage is tied to how much your home is worth. That’s not the case. A $500,000 home could face the same $1M lawsuit as a $2M home if an accident occurs. The question isn’t how much your property is worth—it’s how much a claimant’s attorney can prove your liability is worth.
And if your coverage isn’t enough, a plaintiff can come after your personal finances for the difference.
Why $1M Coverage Is the Smart Baseline
Legal Defense Paid: Even if a claim is groundless, the policy covers the cost of your defense—attorney fees alone can easily reach six figures.
Peace of Mind: You know your personal assets aren’t immediately exposed to a catastrophic lawsuit.
No Deductible: Every dollar of the $1M limit goes toward protecting you.
For many landlords, $1M is a strong and reasonable safeguard. For those with higher-value assets or greater risk tolerance, an umbrella policy can layer on additional protection.
Walking Covered vs. Walking Exposed
Self-managing landlords often don’t realize how exposed they are. Without professional oversight and specialized insurance, they’re essentially walking around with a target on their backs. Tenants and attorneys see the lack of structure and coverage as an opportunity.
Our clients, by contrast, benefit from the security of knowing that both their property and their personal finances are shielded by a policy that was designed for landlords—backed by the operational discipline of Verandah Properties.
The Bottom Line
Protecting your property is important. Protecting yourself is essential. At Verandah Properties, we’ve partnered with SureVestor to ensure every client has access to liability coverage that truly makes a difference. It’s a safeguard that not only covers the unexpected but also allows you to rest easy knowing you’re not one accident away from financial disaster.
If you’re ready to strengthen your protection and bring peace of mind to your investment, contact us, we’re here to guide you through every step.
Verandah Properties
Trusted Property Management Since 2003
Serving Orlando & Lake Nona Landlords with Professional Expertise