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General Landlording & Rental Properties

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David Mirza
  • Investor
  • San Jose, CA
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Homeowners insurance companies for SFR

David Mirza
  • Investor
  • San Jose, CA
Posted Nov 7 2022, 19:49

I have some SFR in stockton, CA and the insurance rates are going through the roof. Any recommendations for either companies that bundle multiple properties into one policy or an affordable individual policy?

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Cameron Moore
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#3 Insurance Contributor
  • Insurance Agent
  • DFW, TX
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Cameron Moore
Pro Member
#3 Insurance Contributor
  • Insurance Agent
  • DFW, TX
Replied Nov 8 2022, 07:32

Find an insurance broker in the area! They will shop with multiple, reputable companies and present you with the best rate. It will save you time and headaches! 

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Gurbeer Sangha
  • Realtor
  • Fresno, CA
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Gurbeer Sangha
  • Realtor
  • Fresno, CA
Replied Nov 9 2022, 06:55

I usually use Kingsburg Insurance Agency based out of Fresno County and they always give me great service. They might be a good shout 

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John Mocker#1 Insurance Contributor
  • Insurance Agent
  • Norwalk, CT
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John Mocker#1 Insurance Contributor
  • Insurance Agent
  • Norwalk, CT
Replied Nov 9 2022, 10:42

David,

Just an FYI, the "Homeowners Form" is normally used by Insurance Companies for Owner Occupied dwellings.  if these are rentals you should be asking for a Dwelling Fire (sometimes called a Landlord policy by some companies).  You may also want to see if a commercial policy (Business Owners or Package policy) works better for packaging the units together