Any luck finding landlord insurance in California?

Question

Have you had any luck finding landlord insurance in California?

Who would you recommend I contact to get coverage?

It's been a nightmare getting insurance in California over the last 2-3 years. What do you suggest?

Marc Prado · Answer

Same here.  Having a hard time finding a company.  These NonAdmitted companies seem sketchy.

Alex U. · Answer

In similar boat, have been denied by 5-6 carriers.  The labeled the whole state high fire a few years ago, and now no one can get insurance.  13% of deals are not closing as people can't get insurance.  Some insurance companies are asking to see the home inspection report in order to give you insurance or to install a $750 water shutoff valve if the home is older than 20 years old.  If you share a home inspection report, they may deny you anyways for something else.

Vincent Ortega · Answer

Hi, I have a landlord's policy with Farmers Insurance; the rental property is a single-family.

Rick Albert · Answer

I don't but they will tell you pretty quick if they insure there or not.

I've never heard of Elmsure. But to be honest I don't know an insurance company that is great.

Erik Estrada · Answer

Hav you tried Obie or Elmsure?

Rick Albert · Answer

You can go through insurance brokers to see what's out there. For example my broker hooked me up with Safeco.

If you are in a high fire zone, the California Fair Plan is likely your best bet.