Landlord Insurance in El Segundo and Los Angeles
Coverage for homes, condos, duplexes, and ADUs you rent out. A homeowners policy stops covering a home once you move out, so rentals need a dwelling policy built for landlords.
Landlord insurance at a glance
- Policy type
- Dwelling fire (DP-1, DP-2, or DP-3), not homeowners
- Who needs it
- Owners of single-family rentals, condos, duplexes, and ADUs
- Common add-ons
- Loss of rents, landlord liability, and vacancy coverage
- Tenant belongings
- Not covered. Ask tenants to carry renters insurance
- Quote turnaround
- Usually 1-2 days
What landlord insurance covers
A dwelling policy insures the rental itself and your liability as the owner. The add-ons you choose decide how well it protects your rental income.
Dwelling
Repairs or rebuilds the rental home after a covered loss.
Loss of rental income
Replaces rent you lose while the home is repaired after a covered loss.
Landlord liability
Pays for injuries to tenants or guests that you are found responsible for.
Other structures
Covers detached garages, fences, and ADUs on the same lot, subject to policy terms.
Landlord furnishings
Covers appliances and furniture you provide for tenants.
Vacancy coverage
Keeps coverage in place while a home sits empty between tenants.
What affects landlord insurance rates
Rentals are priced like homes, with location, age, construction, and rebuild cost doing most of the work. The policy form matters too. A DP-3 covers more causes of loss than a DP-1 and costs more.
Rentals near brush face the same carrier pullbacks as owner-occupied homes. We compare carriers that still write rentals in Los Angeles and use the FAIR Plan only when we have to.
Ways to lower your premium
- Choose the DP form that fits the property’s value and risk
- Require tenants to carry renters insurance
- Raise the deductible on stable, well-kept properties
- Keep up with roof, electrical, and plumbing updates
- Insure multiple rentals together when a carrier allows it
What moves your rate
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Policy form
DP-1, DP-2, and DP-3 cover different causes of loss at different prices.
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Location and fire risk
Brush areas affect price and which carriers will write the home.
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Age and condition
Older roofs and systems can raise rates or limit options.
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How you rent it
Long-term, short-term, and vacant homes are priced differently.
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Claims history
Recent claims on the property can raise your premium.
Landlord insurance questions
Don't see yours? Call (310) 751-5979 and ask.
Can I keep my homeowners policy after I rent out my home?
No. Homeowners policies require you to live in the home. Once it becomes a rental, you need a dwelling policy, or a claim could be denied.
Does landlord insurance cover my tenant’s belongings?
No. It covers your building and your liability. Tenants need their own renters insurance for their belongings and liability.
Do short-term rentals need different coverage?
Usually. Many dwelling policies exclude or limit short-term rentals. Tell us how you rent the home and we will match it to a carrier that covers that use.
Can you insure an ADU?
Yes. Depending on the carrier, an ADU can be covered on the main home’s policy or need its own. We confirm how it is covered when we quote.
Find out what you should be paying
Tell us about your rental. We compare carriers and come back with real quotes, usually within 1-2 days.