California landlord & rental property insurance
If you rent a California house or condo to somebody else, that goes on our dedicated 833 line and you can be quoted over the phone. An owner-occupied home works differently, and there is a link below.
California property line
833-844-4357Call center hours
- Monday – Friday5:30 AM – 5:00 PM Pacific Time8:30 AM – 8:00 PM Eastern Time
The right number for California rental property. If you live in the home yourself, see the owner-occupied section below instead.
This page is general information, not insurance advice, and it does not change any policy. Coverage varies by carrier, policy form, and state. See our disclaimer.
If you rent it out
This is the part we can quote on the phone in California. Landlord coverage is built around the building, your liability as an owner, and the rent you would lose if the place became uninhabitable.
The building itself
Covered damage to the rental structure and anything attached to it.
Landlord liability
Claims brought against you arising out of the rental.
Loss of rental income
Rent you cannot collect while a covered loss makes the unit uninhabitable.
Optional endorsements
Vandalism and equipment breakdown among others, depending on the property.
If you live there yourself
An owner-occupied condo can be quoted on the 833-844-4357 line, though California appetite is limited, so ring and we can tell you quickly whether we have a market for your building. An owner-occupied house is different: there is no phone programme for it in California, and it goes through a full online submission instead. These are the parts an HO-6 condo policy is generally built around.
Condo owners, call 833-844-4357→House owners, start an online submission →
Interior and improvements
Flooring, cabinets, fixtures and upgrades the association’s master policy generally stops short of.
Your belongings
Furniture, electronics and clothing, on and off the premises.
Personal liability
Claims that you are responsible for injuring somebody or damaging their property.
Loss assessment
Your share of a special assessment after a covered loss to shared property, subject to the policy.
Have the property address ready
California availability varies a great deal by location, so the address is the first thing we check. This number is for rental property; if you live in the home, use the online submission above.
Call 833-844-4357Monday to Friday, 8:30 AM to 9:00 PM Pacific Time. Closed weekends.
What to have ready when you call
- The property address, and whether you live there or rent it out
- Roughly when it was built, and the square footage
- Any claims in the last five years
- For a condo, what the association’s master policy covers
- For a rental, the monthly rent and whether it is on a lease or short term
Frequently asked questions
Why is California handled differently?
Our 866 line does not write homeowners or property business in California, Florida or New York. California rental property and owner-occupied condos are written on the 833 line, so both can be quoted by phone, though condo appetite is limited and worth checking on the call. An owner-occupied house is the exception: there is no phone programme for it in California, and it goes through a full online submission instead.
Does the HOA master policy already cover my condo?
A master policy generally covers the building structure and common areas. It does not usually cover your unit’s interior finishes, your belongings, your personal liability, or a special assessment charged back to owners. An HO-6 condo policy is generally what fills that gap. Read your association’s declaration to see where its responsibility stops.
I rent out a California condo. Is that condo insurance or landlord insurance?
Generally landlord, or a landlord policy written on a condo unit. Once a tenant lives there rather than you, the owner-occupant assumptions behind a standard HO-6 no longer hold, and loss of rental income becomes relevant. Say on the call that the unit is tenant-occupied so it is set up correctly from the start.
Does my policy cover my tenant’s belongings?
No. Your tenants should carry their own renters insurance for their property. Many California landlords make it a condition of the lease. Your policy is generally intended to cover the building and your own liability.
What about wildfire?
Wildfire exposure is a significant factor in California property underwriting, and availability varies considerably by location. Have the property address ready when you call so it can be checked against the programs available for that area.
I own several California rentals. Can they go together?
Often yes, either on one policy or across a package. Have the addresses, roughly when each was built, and any recent claims ready before you call.
Not in California? See condo & townhouse insurance, landlord insurance, or browse all personal insurance.
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