California Landlord Insurance means protecting your rental property. After all, it is a serious investment. ConXis Insurance Services understands may be counting on it to help fund your retirement or your children’s education, and it deserves the proper protection. Landlord Protection insurance policy may be for you. Landlord policies insure single-family homes, condo units, duplexes, triplexes, and fourplexes. Coverage includes protection from damage as well as from certain liabilities unique to landlords such as wrongful eviction and wrongful entry lawsuits. ConXis Insurance Services can build the best policy for you while offering plenty of flexibility and choice.
California Landlord Insurance policy typically helps cover physical property related to the home you’re renting out. This may include the dwelling itself and the equipment you keep on site to help maintain it. Coverage generally includes:
- Dwelling – This coverage helps pay to repair your rented home, condo or apartment if it’s damaged by fire, lightning, wind, hail, or other covered losses.
- Other structures – This part of your policy helps pay to repair detached structures on your rental property, such as a detached garage or fence if they’re damaged by a covered loss.
- Personal property used to service the rental – If you leave a lawnmower or snow blower onsite to maintain your rental property, landlord insurance may help cover this equipment if it’s damaged. However, if you leave your personal bike or DVD player at the home you rent out, it likely won’t be covered under your landlord policy.
The California Landlord Insurance policy is subject to the deductibles and limits stated in your specific landlord policy. Your deductible is the amount you’ll pay for a covered loss before your landlord insurance kicks in. A limit is a maximum amount your policy will pay after a covered loss. Each coverage typically has its own, separate deductible and limit. You may be able to set your own deductible and limit amounts for these coverages.