The Bishop of Ostia

So the legend is born

Legend has it that back in a medieval day Pope Joan (a woman passing as a man) gave birth to a son on horseback, giving away her gender (whoops – unmarried too). Her son became one of the Bishops of Ostia. What is certifiably true is that in East Brunswick, Melbourne, business sweethearts Ben Foster & Matt Wilkinson, reconnected the Pope with her child-of-the-night, the Bishop of Ostia. While Pope Joan rises at sparrows’ fart each day to feed the flock, the Bishop rests. Then on Wednesdays to Sundays, as Pope Joan slips off her apron, the Bishop frocks up, opens his doors & welcomes the flock to his local drinking house.

Friend to the night-owl, the heretic, the frocked-up-persons, the discrete, the quirky, the misfits, the most diverse range of food & wine lovers, living right next door to his early-rising parent, the Bishop shares his mother’s kitchen garden & outdoor space, gorgeous even in cooler Melbourne weather. With a few cooking tips from Pope Joan, the Bishop now has a cracking bar menu complimenting some creative cocktails, a wine list inviting a trip around Victoria as well as excellent locally crafted beers – beer as cold & local as it gets (only more local if horse drawn carts delivered the kegs).

What a Landlord Insurance Includes?

What a Landlord Insurance Includes?

Landlord insurance, also called rental property insurance, is a type of policy that can be held by a rental owner to protect against certain financial losses. These policies come with various add-on options so that individual landlords can customize a policy that fits their specific needs. Youi Landlord Insurance https://www.youi.com.au/home-insurance/landlord

Some of these add-ons include:

  • Rent Guarantee
  • Legal Expenses
  • Landlord’s Emergency
  • Contents Coverage

What Does A Basic Landlord Insurance Policy Cover?

If you are looking for a basic landlord insurance policy without any of the special add-ons, it typically will include three different components. These include property damage, liability insurance, and loss of income. Let’s take a closer look at each one of these below.

Property Damage

This part of your landlord insurance covers both personal and property damage due to incidents, such as theft, vandalism, tenant damage, fires, and storm damage. This is the part of the policy where your insurance company agrees to pay the replacement cost of your rental property if it is deemed a total loss, assuming the cost doesn’t exceed the maximum amount set in your policy.

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Liability Insurance

This component covers costs associated with liability lawsuits and claims against you, the landlord. If a tenant, employee, or visitor on your property is injured they may take legal action against you. This liability insurance covers the costs associated with the person’s injury if you are found at fault. These include medical expenses, funeral costs, legal fees, settlement fees, and judgment fees.

In addition, any person’s belongings that were damaged while on your property can be covered under this insurance if you are deemed at fault for the incident. An example of this would be a leaky pipe that damaged a tenant’s book collection. Your liability insurance would cover the cost of replacing your tenant’s book collection.

Loss Of Income

This is another key component of your landlord insurance policy. In the event that your rental property becomes uninhabitable, you can get paid rent by the insurance company until the property is repaired. Uninhabitable circumstances could be due to events such as storm damage or an apartment fire.

This component is meant to protect your income while your insurance pays to rebuild your property. Most policies will cover the landlord up to three years of reimbursed rent payments. However, every policy can be different so you should check with your insurance provider to figure out how long they will pay for loss of income.

Request a Car Insurance Quote

Request a Car Insurance Quote

If you are thinking about requesting a car insurance quote to identify savings on your coverage rate, you may be taking a closer look at the different insurance companies that serve your area. There are dozens of auto insurance providers that may provide you with a car insurance quote, but you do not want to waste time shopping for quotes from so many providers. After all, it may taken 15 to 30 minutes or longer to request a single quote. A better idea is to narrow down your list of options upfront so that you only request a car insurance quote from your top picks. By focusing on these important factors, you can more easily eliminate a considerable number of options from your list of possibilities.

Review Their Rating
A.M. Best is one of the top rating agencies for insurance companies, and this includes car insurance providers. They have an easy-to-navigate search system on their website that enables you to more easily learn about the company’s customer satisfaction rating, their financial strength and many other factors. You understandably want to work with a company that has a high rating in these and other areas, and you can easily use this website before requesting a car insurance quote to ensure that the company has a solid track record in the industry. Youi Car Insurance https://www.youi.com.au/car-insurance

Analyze Available Policy Discounts
It is also wise to review the company’s website thoroughly before requesting a car insurance quote. One of the primary factors to review is the available policy discounts available. Each car insurance company offers discounts for various factors, and you may find that you qualify more easily for some companies’ discounts than for others. For example, two companies may offer a safe driver discount. One may offer the discount for having a clean driving record, but others may require you to take a safety course to qualify. If you already have a clean driving record, this may be an easier discount to qualify for. There are an extensive range of discounts available, and each may have variations such as this.

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Read Consumer Reviews
In most cases, you will rarely contact your auto insurance company after you have obtained your car insurance quote and purchased your policy. However, many drivers will need to file a claim at some point for an accident, a theft or another mishap. The last thing you want to deal with is a company that has a slow claims process or that haggles with you over the amount of the payout. By reading consumer reviews before you request a car insurance quote, you can more easily find the right companies to apply for coverage with.

It makes sense to get more than one car insurance quote, but you do not want to waste your time getting quotes from every provider you can find. When you focus on these specific factors, you can easily narrow down your choices and only request quotes from your top picks.