Landlord Insurance in California

What We Offer

Protect Your Property. Secure Your Income. Renting out property comes with risks — from tenant-related damages to legal liabilities. That’s why Landlord Insurance is essential for anyone leasing out residential or commercial space. We specialize in helping property owners across California find tailored protection for their investments. Whether you own a single-family rental, duplex, or a multi-unit apartment complex, our customizable policies ensure you’re covered where it counts.

Homeowners Insurance

Why Do You Need Landlord Insurance?

A standard homeowner insurance policy is not designed to protect rental properties. As a landlord, you face unique exposures — and landlord insurance is built specifically to handle them.

Some of the common risks landlord insurance can help cover:

Property damage from fire, storms, or tenant neglect
Liability claims from tenant injuries or accidents
Loss of rental income during repairs
Vandalism and theft
Legal expenses in case of lawsuits

What Does Our Landlord Insurance Cover?

Every landlord’s situation is different, but our policies typically include:

✅ Property Protection

Covers physical structures like the building, garages, fences, and sheds in case of damage from covered perils such as fire, wind, or vandalism.

✅ Loss of Rental Income

If your rental becomes uninhabitable due to a covered event, we help replace lost income during the repair period.

✅ Landlord Liability

Protection against legal and medical costs if a tenant or visitor is injured on your property due to maintenance issues.

✅ Optional Add-Ons

Rent Guarantee Insurance
Flood and Earthquake Coverage
Equipment Breakdown Protection
Umbrella Liability Coverage

Bundle With Other Insurance Services

We offer a wide range of coverage options to help you stay fully protected in every area of life or business. Explore our complete range of services at western-insurance.net.

Some services landlords often bundle with landlord insurance:

General Liability Insurance – Especially important if you operate multiple rental units or engage in property management.
Homeowners Insurance – For your personal residence or second homes.
Commercial Property Coverage
Umbrella Insurance
Workers’ Compensation (for landlords who hire maintenance staff)
Auto Insurance (for property management vehicles)