As a landlord, Discrimination Liability (for landlords) coverage protects you from claims arising under fair housing laws. This includes accusations of housing discrimination based on race, color, religion, sex, national origin, disability, familial status, or other protected characteristics.
Landlords are held to strict fair housing standards.
Legal defense and settlements can be expensive.
Even unintentional missteps—like advertising wording or tenant screening criteria—can trigger claims.
Discrimination Liability coverage integrates with your broader rental property insurance to provide comprehensive protection.
Legal defense fees and court costs
Settlements or judgments
Injunctive relief
Civil rights violations related to leasing practices
Allegations during tenant placement, advertising, lease negotiations
This coverage works hand-in-hand with your homeowner insurance as a landlord, ensuring your property liability portfolio is robust and responsive.
You report a claim alleging discrimination.
Your insurer appoints defense counsel and manages legal proceedings.
Covered costs—including court judgments or settlements—are paid by your policy (subject to limits).
Additional liability exposures, such as bodily injury from premises issues, may be protected under broader General Liability insurance.
Premises Liability Insurance – covers bodily injuries or property damage that occur on the rental property.
Tenant Liability Insurance – protects landlords from tenant-caused damage.
Loss of Rental Income – reimburses lost rent if the property becomes uninhabitable due to a covered loss.
Legal Expense Coverage – helps with eviction proceedings and lease enforcement.
Umbrella Liability – adds excess coverage above underlying policy limits.
We provide trusted and affordable homeowners insurance tailored for California residents. Our goal is simple: to help you protect your home, belongings, and peace of mind with coverage that fits your life. With expert guidance and flexible options, we’re here to make insurance easy and reliable.
