Sacramento Landlord Insurance: Residential rental property coverage

Landlord insurance also referred to as rental property insurance is a form coverage that’s designed to protect landlords financially. It will help to cover you against covered perils such as fires, and wind. It covers the structure of the home, the landlords personal property used to maintain the home and liability. Rental property insurance is similar to homeowners insurance but customized to protect your unique needs while renting out your home. 

What’s the difference between landlord and homeowners insurance?

Rental property insurance will protect the property you rent out as a landlord. It covers the dwelling which differs from homeowners insurance which will cover your possessions. 

Some landlord insurance providers will also offer extensive loss of use and liability coverage. This will help to safeguard your rental property including items within the home such as refrigerators, washers and dryers, microwaves and more. 

Common landlord insurance questions

Below we outlined some of the most common rental property insurance questions. If you have additional questions regarding landlord insurance it may be best to get in touch with one of the wonderful rental property insurance agents at Eugene C Yates Insurance Agency at 916 313 6100.

I’m planning on renting out my second home – is rental property insurance right for you?

Yes, rental property insurance insurance is made for landlords just like yourself. It will protect you from many risks that your tenants create. 

Eugene C Yates Insurance Agency is one of the top independent insurance agency providers of landlord insurance in Sacramento California and covers residential rentals up to four units. This will also include single family homes, condo units, duplexes, triplexes, and four-plexes.

Landlord insurance coverage will help to protect you from from damage to the structure of the home from forms of liability that may be specific to landlords. This can include things such as wrongful eviction, wrongful entry, and invasion of privacy claims.

You are the owner of a small building with 10 apartments and retail space on the ground floor. Are you eligible for Eugene C Yates Insurance Agency landlord insurance?

Most landlord insurance policies are created for non-commercial residential properties. When you add in a retail space it makes the property mix-use. Which is a form of property insurance some providers may not cover. If you would like to know if you can qualify for a policy, please reach out to one of our wonderful agents at 916 313 6100.

What are the maximum number of rental units you may own and still get landlord insurance?

Most states across the U.S. will allow you up to 16 total rental units. For example a four-plex would be considered 4 units. Our rental property insurance coverage will combine commercial and personal insurance so it covers you in a more comprehensive way. 

Landlord insurance quote

If you’re looking for the best landlord insurance quote in Sacramento we have you covered at Eugene C Yates Insurance Agency. Give us a call today for a custom quote and answers to all of your questions regarding rental property insurance. 916 313 6100