Additional Coverage Options that Landlords Should Consider

Sometimes the Default Policy Just Isn't Enough

As a landlord, ensuring the protection of your property and investments is paramount. While landlord insurance provides fundamental coverage for your property and its contents, it's essential to be aware that there are additional coverage options that can safeguard you from various risks and liabilities. Below are some of these additional coverage options that landlords should consider to enhance their protection and peace of mind.


Rent Default Insurance

Rent default insurance is a valuable addition to your insurance portfolio as a landlord. This type of coverage steps in when your tenant stops paying rent, ensuring that you continue to receive rental income even during eviction proceedings and the time it takes to find a new tenant. Moreover, rent default insurance may also cover the legal expenses associated with tenant eviction, lightening the financial burden during such challenging times.


Flood Insurance

Flood damage can wreak havoc on your rental property, leading to costly repairs and potential loss of income. Unfortunately, standard rental property insurance policies typically do not cover flood damage. Therefore, if your property is located in a flood-prone area or designated flood zone, it's imperative to secure separate flood insurance coverage.


Additionally, if you have a mortgage on the property, your lender may require you to purchase flood insurance as a condition of the loan agreement. This ensures that both your investment and the lender's interest are protected from flood-related risks.


Title Insurance

When you purchase a property, whether it's a residential home or an investment property, there's a small but real risk that someone may challenge your ownership in the future. These challenges could arise if, for instance, it is claimed that the person who sold you the property did not have the legal right to do so. In such cases, title insurance becomes a crucial safeguard.


Title insurance provides protection against any claims or disputes regarding the ownership of the property. If someone successfully challenges your ownership and regains control of the property due to a title claim, title insurance will compensate you for the value of the property. Unlike other types of insurance, you typically pay for title insurance only once, at the time of property purchase.


Tenant Discrimination Coverage

As a landlord, it's vital to be aware of the laws governing tenant rights. Discrimination against tenants on the basis of race, religion, gender, or national origin is illegal in many jurisdictions. To protect yourself against potential discrimination lawsuits, consider adding tenant discrimination coverage to your rental property insurance policy.

Tenant discrimination coverage provides financial protection in the event of a discrimination claim. It can help cover legal expenses and any damages awarded to the tenant in case of a successful discrimination lawsuit. While every landlord should be committed to fair and non-discriminatory practices, having this coverage can provide an added layer of protection in case of unforeseen legal issues.


Being a landlord comes with various responsibilities and risks. While a basic landlord insurance policy is essential, it's prudent to explore additional coverage options that can offer comprehensive protection for your property and investments. Rent default insurance, flood insurance, title insurance, and tenant discrimination coverage are all valuable considerations that can help you mitigate risks and ensure a prosperous rental property venture. Make sure to always consult with insurance professionals to tailor your coverage to your specific needs and circumstances.

Dive-In Movies at The Cosmopolitan of Las Vegas: Summer 2025

June 9, 2025
This summer, The Cosmopolitan of Las Vegas invites guests to its iconic Boulevard Pool for the return of Dive-In Movies, a unique poolside cinema experience. Every Monday evening from May 19 to September 1, guests can enjoy a selection of blockbuster hits and timeless classics projected on a 65-foot digital marquee, all while lounging poolside or taking a dip in the pool. Event Details: • Dates: Mondays, May 19 – September 1, 2025 • Doors Open: 6:15 PM • Movie Starts: 8:00 PM • Location: Boulevard Pool, Level 3, accessible via the Boulevard Tower escalators • Admission: $15 for non-hotel guests; $10 for Las Vegas locals with valid ID; complimentary for hotel guests, Identity Membership & Rewards members, first responders, and military personnel with valid ID; children aged 5 and under are free. Upcoming Movie Lineup: • June 9: Harry Potter & The Sorcerer’s Stone • June 16: Wicked • June 23: The Goonies • June 30: Top Gun • July 4th: Top Gun: Maverick • July 7: Despicable Me • July 14: Inside Out 2 • July 21: Happy Gilmore • July 28: Elf • August 4: Lilo & Stitch • August 11: Twilight • August 18: Mean Girls • August 25: Legally Blonde • September 1: Good Burger  For those seeking a more luxurious experience, cabana and daybed reservations are available, which include a food and beverage minimum and complimentary admission to Dive-In Movies. Reservations can be made by calling 702.698.6797. Whether you're a hotel guest or a local resident, Dive-In Movies at The Cosmopolitan offer a memorable way to enjoy a night out under the stars with the Las Vegas Strip as your backdrop. The above info is subject to change, stay up to date on The Cosmopolitans website. https://cosmopolitanlasvegas.mgmresorts.com/en/entertainment/dive-in-movies.html

Wagging Tails Rescue: Giving Hope to Homeless Dogs in Las Vegas

June 4, 2025
Nestled in the heart of Las Vegas, Wagging Tails Rescue is a dedicated 501(c)(3) nonprofit organization committed to saving homeless and abandoned dogs from high-kill shelters and owner surrenders. Unlike traditional shelters, Wagging Tails Rescue operates through a network of loving volunteers and foster homes, providing temporary safe havens for dogs — especially pregnant moms and orphaned puppies — until they find their forever families. With no physical facility, the rescue’s strength lies in its community of passionate foster caregivers who nurture these pups with love, care, and attention. Beyond rescuing dogs, Wagging Tails Rescue champions responsible pet ownership through education on spay/neuter, positive behavior training, and proper nutrition. Want to meet some of these adorable dogs and maybe even adopt? Keep an eye on their Instagram @waggingtailsrescuelv for updates on frequent adoption events. From fun puppy yoga sessions to gatherings at Petco and even “Puppies and Pints” at Lovelady Brewery, there are plenty of opportunities to support and connect with this amazing rescue. Every wagging tail tells a story — and at Wagging Tails Rescue, those stories always end with hope and a happy home.

Las Vegas Parking Guide

May 27, 2025
If you’re a first-time visitor to Las Vegas, the idea of paying for parking might not be as big of a deal as it is to those of us who’ve been around for a while. Just a few years ago, it was practically unheard of to pay for parking on The Strip. Free parking was a standard expectation for both locals and casino guests alike. But times have changed, and many of the big casinos along the iconic Las Vegas Strip have started charging for parking. While we’ll let you draw your own conclusions about whether or not parking fees are justified (locals, we feel your pain), we’re here to guide you on where to park on the Las Vegas Strip. So, buckle up, and check out our list to see where you can park for free as a local! First three hours of self-parking are free for locals: • The Aria • The Bellagio • Caesar’s Palace • The Cosmopolitan • The Cromwell • The Excalibur • The Flamingo • The LINQ • Luxor • The MGM & Park MGM • Planet Hollywood • Wynn & the Encore Free Parking across the board • Rio • The Palms As a final tip when it comes to visiting the strip: Check and see if the casino does any sort of parking validation. A lot of times they will give you free parking if you spend a certain amount of money inside, are a guest (on a staycation) or are a certain tier level among their rewards programs. Remember, it never hurts to ask. If you're visiting Las Vegas, be sure to check with your hotel about whether parking and valet services are included when you book your room. It's a cost worth factoring into your trip planning!
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