California landlord insurance
Protect the building, your liability, and your rental income - including hard-to-place and fire-exposed rentals.
What landlord insurance covers
- Dwelling and other structures on the rental property
- Owner liability for injuries tied to the property
- Loss of rents - lost rental income while the property is being repaired after a covered loss
- Optional vandalism, and coverage for landlord-owned contents like appliances
Your tenants should carry their own renters insurance for their belongings and liability; your landlord policy does not cover their property.
Single-family, multi-unit, and non-owner-occupied
We place coverage across property types - single-family rentals, small multi-unit buildings, and non-owner-occupied or seasonally rented homes. For properties in wildfire zones, we use the same surplus lines and FAIR Plan strategies we use for owner-occupied homes.
Frequently asked questions
Can I use a homeowners policy on a rental?
No. A standard homeowners policy assumes you live in the home. Renting it out generally requires a landlord or dwelling-fire policy; using the wrong policy can lead to denied claims.
Does landlord insurance cover lost rent?
Typically yes. Loss of rents coverage pays the rental income you lose while the property is uninhabitable and being repaired after a covered loss, up to your policy limit.
Can you insure a rental in a wildfire area?
Yes. We use admitted markets first, then surplus lines and FAIR Plan solutions for fire-exposed rentals, just as we do for owner-occupied homes.
Get your free quote
Turned down elsewhere? That is exactly who we help. Tell us what you need and a licensed California agent will reach out with real options.
Prefer to talk? Call (800) 555-0100.