TENANT INSURANCE AND CLAIMS

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Sometimes disaster happens such as a fire, flood, fallen tree, etc. and that is when insurance companies and Holland Properties' experience can come to the rescue. Prepare for unexpected events and prevent further damages to your rental space called home. 


For any life threatening situation call 911 first.

First Step - Have the right Insurance


All lease agreements require a current liability insurance policy:


  • $100,000 Limit of Liability for Tenant’s legal liability for damage to Landlord’s property for no less than the following causes of loss: fire, smoke, explosion, backup or overflow of sewer, drain or sump, and water damage (“Required Insurance”). If Water Damage or Water/Sewage back up is not included then you must add this as an endorsement.
  • All Tenants to be named as insured on the policy or each person must submit their own proof of insurance.
  • Holland Properties, Inc. listed as an "interested party" authorizing the insurer to notify of any renewal, cancellation, change in policy coverage, or removal of the interested party. Your insurance company will need an address or email that can be found on the Contact Us page.
  • Submit a copy of your 'insurance declarations page' or have your insurance company send it.
  • For more information see your current lease agreement.


While not required, it is highly recommend to ask your insurance agent about a complete renter’s insurance package that includes personal property protections, bodily injury liability, and living expenses in case you need to relocate due to repairs.

Second Step - Prevention


It is important to report any repairs needed in writing - this legal requirement allows proper documentation of the situation and ensure all parties are included with communications, updates, and scheduling.


Some examples of items you are required to report immediately include but are not limited to: 

  • water leaks
  • electrical problems
  • malfunctioning lights
  • broken or missing locks or latches
  • other conditions that pose a hazard to the property, tenant's health, or safety


Be sure to check your lease agreement to review the tenant responsibilities for your unique property.

Third Step - Be Proactive


In the first few hours after reporting the issue, all parties have the responsibility to follow instructions from the property manager and vendors. A vendor will be sent to diagnose and stop any additional damage.


Be sure to check your email frequently throughout the process.  Contact your insurance company to start a claim if needed and be available for phone and/or email communications with further instructions. 

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