Insurance is more important for every landlord to have than ever before especially in light of recent natural disasters like the wildfires in California and hurricanes in Texas which caused property owners millions of dollars in damages.
If you’re just getting started with owning rental properties or are thinking about renewing your insurance policies this article will provide you with tips on insurance policies every landlord should have.
Landlord Insurance
This form of insurance protection is more important than ever before for landlords. Standard homeowner’s insurance will not provide adequate insurance coverage should damages occur in the home while it’s being rented out.
The key to success with choosing a landlord insurance policy is to choose a policy which will provide coverage for “all risks” because this will also cover you financially in the event you lose rental income.
Flood Insurance
Flood insurance is another excellent insurance policy to have because it will protect your home in the event of flash floods or a nearby river that overflowed and is now flooding your town.
Windstorm Insurance
You should absolutely have windstorm insurance if you live in a coastal or desert area that’s prone to high winds during the year.
Vacant Property Insurance
Another common insurance policy that most San Diego property management companies and retail property managementcompanies across California will agree on is vacant property insurance. This insurance policy will protect your rental property if it’s been damaged by vandals, squatting, flooding or mold after sitting vacant for 60 days or longer.
Fire Insurance
Every property owner in California should have fire insurance because it will cover the cost of rebuilding the structure which was destroyed by fire including all of the contents of the property.
Johana has spent over 20 years in property management and operational leadership, learning the business from the ground up. She’s known for building systems that actually work, helping people grow into confident leaders, and finding practical solutions when things get complicated. She runs on coffee, keeps her cool under pressure, laughs often (and loudly), and genuinely cares about the people behind the work. At the end of the day, she’s driven by progress, clarity, and helping both teams and businesses do better than they did yesterday.
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