Insurance for a house you own and someone else lives in.
A rental property needs a landlord policy, not a homeowners policy. It covers the building, your liability as the owner, and the rent you lose while the place is unlivable after a covered loss. We write single rentals through small apartment buildings in Orange County.
You'll know what's excluded before you sign.
In insurance since 1981Independent agencyCA Lic. 0606906
What does a landlord policy cover?
The structure you own, your liability as the owner, and the rental income the property stops producing after a covered loss.
The building
The structure, the systems in it, and what you installed — cabinets, flooring, appliances you own. A tenant's own belongings are theirs to insure.
Your liability as owner
If someone is hurt on the property and holds you responsible, the policy defends you and pays what you are legally obligated to pay, up to your limit.
Loss of rent
When a covered loss makes the unit unlivable, this pays the rent you would have collected while it is being repaired, for the period the policy states.
Why the form matters
Most rentals are written on a DP-3 form, which covers the building against a broad list of causes. Older or narrower forms cover far less. We tell you which one you are being quoted.
What is excluded
Earthquake, flood, and ordinary wear are excluded, same as on a homeowners policy. Earthquake and flood can be written separately.
Requiring tenant coverage
Asking tenants to carry renters insurance is standard, and it keeps their belongings and their liability off your policy. We can show you the language.
What kinds of rental property do you write?
From one rented house up to a small apartment building, plus the properties that are part home and part rental.
Apartments
Small apartment buildings are written on a commercial form once the unit count passes what a dwelling policy will take. We tell you which side of that line your building sits on.
Secondary residences
A second home you use part of the year and rent the rest needs a policy written for both uses, not a homeowners policy that assumes you live there.
Vacation homes
Short-term rental activity changes what the policy covers. We write it as what it is, so a claim is not denied over how the property is used.
Non-renewed, or having trouble finding coverage?
Send us the notice or tell us what's been declined. We read it with you, check the California-admitted carriers we represent for your address, and explain the FAIR Plan with a companion policy where that's the route — and what each does and does not cover.
Mon–Fri 8:30am–5:30pm PTClosed weekends
Get a free non-renewal review →- Free review
- We read the exclusions with you
- Independent agency
Not sure this is the one? Start with what happened.
You bought a property to rent out and need the right policy on it.
A notice says your policy ends at the renewal date and the carrier will not continue it.
Your carrier told you it will not renew your California policy.
Your address scores as high wildfire risk and carriers decline it or price it as such.
Your renewal arrived with a higher premium and no explanation of what changed.
Your renewal arrived and you want someone to look at it properly.
Why people move their policies here.
What it's like to have one agency for everything.
You'll know what's excluded before you sign
We go through what the policy does not pay for — water backup, roof settlement, ordinance and law, wildfire smoke limits — while you can still change it. Surprises belong before the claim, not after.
A named licensed agent who knows your whole file
Home, auto, business — it's all with the same office, and the licensed agent on your file remembers your last call. You never start over with a call center or re-explain your house at renewal.
Choices, explained side by side
We're an independent agency. We put several California-admitted carriers next to each other and show you the differences in writing, so the decision is yours to make.
Straight answers, in their words.
“If you are looking for a "Hands-on Agent" wish incredible integrity and risk evaluation skills, Michael is for sure your go to agency.”
“I am so happy with this insurance agency. I have been working with Tony Mercardo He is so helpful, honest and hand working. Along with a great personality. Everyone there seems in a cheerful mood when I call in. Which is so refreshing. I highly recommend. …”
“I highly recommend Mike. He is an awesome human being.”
What we can back up.
Independent agency
Choices from more than one company
Since 1981
Placing coverage in California
CA Lic. 0606906
Licensed throughout California
Licensed across California. Local to Orange County.
Anyone in California can call — we quote by phone and email and place policies statewide.
Orange County
- Yorba Linda
- Anaheim Hills
- Placentia
- Brea
- Fullerton
- Anaheim
- Orange
- Villa Park
- La Habra
- Buena Park
- Tustin
- Santa Ana
- Irvine
Los Angeles County
- Whittier
- La Mirada
- Diamond Bar
- Rowland Heights
- Walnut
San Bernardino County
- Chino Hills
Riverside County
- Corona
Need something alongside your landlord policy?
Coverage for the structure, what's inside it, and your liability — quoted with California-admitted carriers.
Liability, collision, and uninsured motorist coverage written with California-admitted carriers.
Life insurance for the people who depend on your income, plus annuities, disability, and business life.
Individual and group medical, dental, and vision, including enrollment through Covered California.
HO-6 coverage for the part of the unit the HOA master policy leaves to you.
Extra liability limit that sits above your home and auto policies once theirs run out.
Landlord questions, answered plainly.
Can I keep my homeowners policy after I rent the house out?+
Does my policy cover the tenant's furniture?+
What if the unit sits empty between tenants?+
Send us the address and the lease. We'll quote the right form.
A licensed agent checks how the property is occupied, sets loss-of-rent and liability limits to match, and quotes California-admitted carriers.
- 1Call or send the form
- 2We read your current policy
- 3You see the options side by side
In insurance since 1981 Independent agency CA Lic. 0606906