Rental/Renter's Insurance

Rental/landlord insurance is very important because it protects the property owner from major financial loss by covering the building, liability risks, and sometimes even lost rental income after a covered claim. But it doesn’t protect the tenant’s personal belongings or personal liability, that’s where renters insurance comes in. Having both policies in place helps make sure everyone is properly covered, instead of finding out too late that the protection stopped short.

Our rental property experts help landlords protect their investment with the right coverages, limits, and liability protection, so your policy matches how the property is actually used. We’ll guide you through key details like dwelling coverage, loss of rental income options, deductibles, and the differences between long-term rentals, short-term rentals, and vacant properties. And for tenants, renters insurance works alongside the landlord policy to protect personal belongings and liability, so both sides are covered the right way.

Rental/landlord insurance is designed to protect the property owner by covering the building, the owner’s liability, and sometimes lost rental income after a covered claim. Renters insurance is for the tenant, covering their personal belongings and personal liability. Together, they work as a complete protection plan, one covers the property, the other covers the person living in it.

In California, renters insurance is not mandated by law, but many landlords and property management companies require or strongly encourage tenants to carry it as part of a lease agreement to protect personal belongings and provide liability coverage. For the landlord (rental property) side, insurance isn’t legally required either—but most mortgage lenders do require a rental property policy, and insurers often ask that tenants maintain renters insurance as a condition of the owner’s coverage. Having both in place helps make sure the property, the tenants, and everyone’s belongings are properly protected.