Personal Insurance

Insurance for the homes you rent out

A standard homeowners policy is written for owner-occupied homes. Once you rent a property out, you generally need a dwelling fire or landlord policy instead.

Start a Personal Lines Quote Call (530) 813-9150

Online quotes for home, auto and other personal coverage are prepared through the Bolt quoting platform. Some coverage and carrier options are quoted by phone. Selecting "Start a Personal Lines Quote" takes you to a third-party website that has its own privacy policy and terms. A quote is not a binder or a guarantee of coverage.

Jacob (Jake) Livingood · CA License #4135028

We insure single-family rentals, duplexes, small multi-unit properties and vacant homes between tenants. When the standard market will not write a property, the California FAIR Plan can provide fire coverage.

What landlord & rental property can cover

Dwelling

Covers the rental structure against covered perils. Forms range from basic named-peril (DP-1) to broader coverage (DP-3).

Fair rental value

Replaces lost rent while the property is being repaired after a covered loss.

Premises liability

Protects you if a tenant or visitor is injured because of a condition on the property.

Other structures

Detached garages, fences and outbuildings.

Things to consider

Require tenants to carry their own renters insurance. Your policy does not cover their belongings.
Tell us if the property is vacant; vacancy can change coverage.
Short-term rentals (Airbnb, VRBO) usually need a specific policy or endorsement.
A personal umbrella can extend liability over your rentals.

This is a general description, not a policy. Coverage, limits and exclusions vary by insurer and are governed by the policy actually issued.

Frequently asked questions

Can I put my rental on my homeowners policy?

Usually not for a separate rental property. Your primary home's policy is for the home you live in. We will write the rental on a proper dwelling policy.

What is a DP-3 policy?

A DP-3 is a dwelling policy that typically covers the structure on an open-perils basis, which is broader than a DP-1 named-perils policy. Availability depends on the property and insurer.

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Jake Livingood

Licensed Agent · CA License #4135028

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Call (530) 813-9150

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