Landlord & Rental Property Insurance
If you rent out a house, condo, duplex or fourplex, your homeowners policy usually won’t cover it. Landlord insurance protects the building, your rental income and your liability when tenants or guests get hurt. Pacific Southwest Insurance Services insures individual landlords and small portfolios across California.
Get a free quote today. Call (818) 701-1033 or email info@pswinsurance.com. Office hours are Monday to Friday, 9:30 AM to 5:00 PM.
Who We Insure
Our landlord & rental clients include:
- Single-family rental homes
- Condos and townhomes
- Duplexes, triplexes and fourplexes
- ADUs and guest houses
- Short-term rentals
- Small commercial rentals
Coverage Options
- Dwelling coverage: Covers the structure after fire, wind, vandalism and other covered causes.
- Loss of rents: Replaces rental income while the property is being repaired.
- Landlord liability: Covers injuries to tenants and guests caused by property conditions.
- Other structures: Covers garages, fences and detached ADUs.
- Landlord’s contents: Covers appliances and furnishings you provide.
- Umbrella liability: Adds extra protection across multiple properties.
What Affects Your Premium
Every property is different. Carriers typically look at:
- Number of units
- Property age and updates
- Occupancy: long-term vs. short-term
- Vacancy periods
- Location and wildfire exposure
- Pools or trampolines
- Claims history
As an independent agency, we compare options from multiple insurance companies to find the right coverage at a competitive price.
Why Choose Pacific Southwest Insurance Services
- Family-owned and serving California since 1965, now writing coverage nationwide
- Access to multiple commercial property carriers, including markets for hard-to-place risks
- Fast certificates of insurance and lender evidence of property
- One agency for your property, general liability, commercial auto, bonds and more
- A real person answers the phone and knows your account
Common Claims We See
- Water damage: Leaks from pipes and appliances are the most common rental claim.
- Tenant injuries: Stairs, railings and walkways lead to liability claims.
- Fire: Kitchen fires and electrical problems damage rentals.
- Vandalism: Damage can happen between tenants.
Tips for Landlords
- Require tenants to carry renters insurance.
- Inspect the property between tenants.
- Test smoke and carbon monoxide detectors.
Frequently Asked Questions
Does my homeowners policy cover a rental?
Usually not. Once you rent out a property, you need a landlord (dwelling fire) policy.
Should my tenants have renters insurance?
Yes. Requiring it in your lease protects both of you. Your policy doesn’t cover their belongings.
What about 5 or more units?
Those need a commercial apartment policy. See our apartment building insurance page.
Does my policy cover lost rent?
Loss of rents (fair rental value) coverage can replace rent while the property is repaired after a covered loss.
Am I covered if a tenant’s guest is hurt?
Landlord liability coverage can cover injuries on the property that you’re responsible for.
Other Properties We Insure
- Office Building Insurance
- Retail Store & Strip Center Insurance
- Apartment Building Insurance
- Warehouse & Distribution Center Insurance
- Industrial & Manufacturing Building Insurance
- Mixed-Use Building Insurance
- Medical & Dental Office Insurance
- Self-Storage Facility Insurance
- Vacant Building Insurance
- Builder’s Risk Insurance
- Restaurant & Bar Property Insurance
- Contractor Shop & Yard Insurance
- Auto Repair & Body Shop Insurance
- Hotel & Motel Insurance
- Church & House of Worship Insurance
- Gas Station & Convenience Store Insurance
- Salon, Barbershop & Spa Insurance
- Gym & Fitness Studio Property Insurance
- Daycare & School Insurance
- Dry Cleaner & Laundromat Insurance
- Business Tenant Insurance
- HOA & Condo Association Insurance
- Commercial Real Estate Investor Insurance
- Commercial Earthquake Insurance
- Business Interruption Insurance
- Equipment Breakdown Insurance
- Commercial Flood Insurance
- Inland Marine & Contractor’s Equipment Insurance
Don’t see your property type? We insure most commercial properties. See all commercial property coverage.
Get a Landlord & Rental Property Insurance Quote
Tell us about your property and we’ll shop the market for you. Call (818) 701-1033, email info@pswinsurance.com, or visit our office at 9036 Reseda Blvd., Suite 105, Northridge, CA.
Get a Free Quote
Tell us what you need and a licensed agent will follow up, usually the same business day.