California condo & landlord insurance
Whether you live in the unit or rent it out, California property is handled on our dedicated line rather than the main 866 number. Calling it directly gets you to the right desk first time.
California property line
833-844-4357Call center hours
- Monday – Friday8:30 AM – 9:00 PM Pacific Time
- Monday – Friday8:30 AM – 7:00 PM Eastern Time
This is the correct number for California condo and landlord property. The 866 line does not write California property.
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 live in the condo
An owner-occupied condo or townhouse is generally insured on an HO-6 form, which starts where the association’s master policy stops.
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.
If you rent it out
Once a tenant lives there, the policy changes shape. 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.
Have the property address ready
California availability varies a great deal by location, so the address is the first thing we check.
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 on a different number?
Our 866 line does not write homeowners or property business in California, Florida or New York. For California condo and landlord owners the 833 line is the right place to start, and calling it directly saves a transfer.
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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