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Landlord Insurance for
California's Property Owners
Protect your apartment complex, ADU, or anything in between with a comprehensive plan made just for you.
Coverage tailored to your properties' location and details..
Access to multiple top rated carriers.
Simple guidance from a trusted independent agency.
Takes about 2 minutes - No obligation
What Does Your Landlord Insurance Cover?
Building Protection
Covers damage to your structure caused by done my covered events like fires, storms, and vandalism.
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Landlord Liability
Helps protect you financially if someone gets injured on your property.
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Additional Coverage Options
Personal Property
Protects your personal property you may keep in a rental property.
Vandalism
Helps compensate for forced entry, damages, stolen items, and more.
Legal Assistance
Extra coverage for legal defense if you're brought into a case.
Natural Disasters
Damages otherwise not covered by your standard policy, endorsed on.
Partnered With Top Insurance Carriers
We work with a number of the highest rated insurance carriers in the nation to ensure our clients receive the best Homeowners options at competitive prices.
Landlord Insurance
Frequently Asked Questions
If you have any additional questions, please email info@bollinsure.com or get a review of all your insurance needs.
What is landlord insurance and how does it help?
Landlord insurance is designed to help protect property owners who rent out residential or commercial property. These policies typically provide coverage for the structure, certain liability exposures, and potential rental income loss depending on the policy.
Does landlord insurance cover loss of rental income?
Many landlord policies include coverage for loss of rental income if the property becomes uninhabitable due to a covered loss such as fire or certain types of storm damage. The exact terms and limits vary by policy.
Is landlord insurance required in California?
While it is not always legally required, many lenders require landlord insurance if the property has a mortgage. Even when not required, many property owners choose to carry coverage to help protect their investment.
Can landlord insurance cover multiple rental properties?
Some insurance carriers offer policies that can cover multiple rental properties or portfolio policies for landlords who own several investment properties.
How is landlord insurance different from homeowners insurance?
Homeowners insurance is intended for owner-occupied properties. Landlord insurance is structured for rental properties where tenants live in the home, and it generally addresses risks specific to renting property to others.
Does landlord insurance cover the tenant’s belongings?
No. A landlord’s insurance policy typically does not cover the tenant’s personal belongings. Tenants are usually encouraged to obtain their own renters insurance to protect their personal property.
Does landlord insurance cover property maintenance issues?
Insurance policies generally cover sudden and accidental damage rather than problems that occur gradually due to lack of maintenance. Routine maintenance and repairs are typically the responsibility of the property owner.
Does landlord insurance cover short-term rentals like Airbnb?
Some standard landlord policies may not cover short-term rental activity. If a property is rented on a short-term basis, it is important to review the policy to ensure the appropriate coverage is in place.
Does landlord insurance cover tenant damage?
Coverage can vary depending on the policy and the type of damage. Some types of accidental damage may be covered, while intentional damage caused by tenants is often excluded. Policy details should be reviewed carefully.
What type of liability protection does landlord insurance provide?
Landlord policies often include liability coverage that may help protect the property owner if a tenant or visitor is injured on the property and the landlord is found legally responsible.
What factors affect the cost of landlord insurance?
Premiums may be influenced by factors such as property location, age of the building, construction type, claims history, rental use, coverage limits, and deductible choices.
Should landlords review their insurance coverage regularly?
Yes. Property values, rental income, and liability exposures can change over time. Periodic reviews with a broker can help ensure coverage remains appropriate for the landlord’s situation.