Landlord Insurance: How to Find the Best Rental Property Insurance in Sacramento California

Protect Your Properties with Landlord Insurance​. Rental property insurance is designed for landlords and homeowners renting out their homes. At Eugene C Yates Insurance Agency we offer protection for property damage, liability and lost rental income. Most of which if not all will be within your landlord insurance policy.

The best way to find landlord insurance is to speak to a local agent that has access to the top landlord insurance companies in the industry. It may even help if they have firsthand knowledge of the best rental property insurance discounts available. Hey! I just described the agents over at Eugene C Yates Insurance Agency! The can do price and policy comparisons and help you apply all the discounts that are available. They make it easy for you to find the best landlord insurance policy for your lifestyle. 

Protect your rental properties

Our policies can help you to protect your rental home if it is between 1 and 4 units. This can include condos, apartments, duplexes, fourplexes, single family residences and more. 

Landlord liability insurance

Liability claims are higher when the home is not owner occupied. People get hurt and injured all the time on rental property. There are multiple things that may happen on the property that you may be liable for and potentially get sued because of. 

Medical payments

Medical payments can help to cover medical expenses and costs.

Property coverages

Landlords are able to get protection for more than just the structure of the home. They will also get coverage for other structures such as a gazebo, shed, garage, fence and more. It may also cover the landlords personal property used to maintain the property. 

Loss of use

This portion of your policy will provide coverage for the fair rental value of the property if your tenant is unable to use the home while it is being repaired or rebuilt due to a covered loss, landlord insurance may reimburse you for the lost rental income. 

What Is Landlord Insurance and How Much Does It Cost in California?

Rental property insurance is a form of homeowners insurance that is designed to protect landlords renting out property. 

On average, landlords in the United States spend about $1,083 a year for their landlord insurance policies. Of course, this is just an average. Your actual rates will be calculated based on the following facts.

• The type of property you own as well as its age, value, and size.
• The crime rate and weather risks where the property is located
• The amount of rent you expect to collect each month
• The number of tenants you have or expect to have occupying the home

Is Landlord Insurance Required in Sacramento California?

Rental property insurance is not a state requirement or required by law. Although, if you carry a mortgage on the property your lender may want you to have landlord insurance coverage. 

Rental property insurance quote

If you would like a free landlord insurance quote or have additional questions regarding landlord insurance, please give us a call today at 916 313 6100