CA Difficulty getting Policies for Renting Rooms out of a House

4 Replies

Hi All,

I own a 6 bedroom SFR house in Orange County, CA that I am having problems finding adequate insurance for due to my unique rental situation. I currently have 3 tenants who each occupy a room. I intend on finding another tenant to rent the remaining 3 rooms out, so finding a policy that supports a total of 4 long term tenants is my goal.

I have spoken with multiple large insurance companies with no luck as they do not offer policies that cover my situation, so now I am seeking help from you guys on what I should do to get a policy.

Thank you,


Hi @Ho-Fan Kang , man I miss South O.C. Anyway, you said that your SFR is 6 bedrooms, that you currently have 3 rented out, and are looking to rent one more out for a total of 4 bedrooms rented. I imagine this is because you live in this house as well and are using the remaining 2 bedrooms for personal use?

Hi @Logan Allec , thanks for responding, no I do not live in this house currently. I am seeking to rent out to only 1 additional tenant because the other rooms are simply too small and I'd rather attempt to find one tenant who would like the extra room(s).

Because it is a house share, having too many tenants could lead to unhappiness and more turnover.

I see.  And you have leases with each of your tenants individually, correct?  Are they 12-month or month-to-month or something else?

@Logan Allec - Yes I have leases with each of my tenants individually, they are all 12-month leases with conversion to month-to-month, 2 of the 3 have expired and reverted to month-to-month.

I intend on renewing the leases shortly.

Create Lasting Wealth Through Real Estate

Join the millions of people achieving financial freedom through the power of real estate investing

Start here