Landlord insurance in California
Your homeowners policy doesn't cover rental properties. You need landlord-specific coverage.
Coverage options
Dwelling structure
Covers damage to your rental property's structure from fire, storm and other covered events.
Why choose Auto International
Protects your real estate investment
Your rental property is a valuable asset. Landlord insurance is the safety net every investor needs.
Covers lost rent
If a covered event makes the property uninhabitable, you keep receiving income while it's repaired.
For 1 or multiple properties
Insure a single property or your entire real estate portfolio with coordinated coverage.
Agents experienced in real estate
We help you understand the coverages that protect your landlord investment in California.
Frequently asked questions
Does my homeowners insurance cover my rental property?
No. A property you rent to tenants requires a landlord policy. Standard homeowners insurance doesn't apply when the property is not your primary residence.
What happens if a tenant damages the property?
Landlord insurance typically covers damage from covered events (fire, water, etc.), but not normal wear and tear or intentional tenant damage. That's what the security deposit is for.
Do I need my tenant to have their own insurance?
Highly recommended. Landlord insurance doesn't cover the tenant's belongings. Requiring renters insurance in the lease reduces disputes and claims.
