Careless tenants. Or water damage from a broken pipe. For unbudgeted expenses and repairs, landlords need solid, dependable protection. When the unexpected happens, Universal has a plan for that.

Owning rental property represents a significant investment of time and money. It's more than a house; it's a business. Protecting that investment from damage, liability or sudden loss of income is critical for peace of mind and a healthy bottom line. Should a moment of crisis ever arise, sufficient, reliable coverage will make all the difference.

Universal North America's dwelling fire policy provides coverage landlords can bank on, including:

• Dwelling Universal covers the cost to repair or replace the structure of a home in the event it is damaged or destroyed.
• Other Structures We provide funds to rebuild detached structures on the property such as a fence, tool shed or gazebo.
• Medical Payments We take care of medical expenses for anyone outside the household who is injured while visiting.
• Personal Liability Insurance We cover claims for property damage or bodily injury for which the property owners are legally responsible.
• Loss of Rental Income Universal replaces rental income in the event the rental unit becomes uninhabitable due to covered damage such as a hurricane.

Ask your agent for policy availability and details.

Coverage available for additional cost.

Managing your policy is easy with Universal's special website feature, My Universal. Make payments and gain access to important policy documents online at http://www.uihna.com/signup/.