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California Landlord Insurance

To be eligible for a California landlord insurance policy from Western Mutual, we require our customers to carry a Homeowners’ Insurance policy with us.

Western Mutual offers Landlord Insurance for our homeowners looking to rent a house out to prospective tenants. If the landlord and the tenant are directly related, we don’t require a lease agreement or proof of property management. If there is no familial relationship between the landlord and the tenant, we will require a lease agreement. In this case, we may also require a proof of property management if the primary residence is more than 150 miles away from the rented property.

Our Benefits

Our landlord coverage includes the following benefits: - We offer our 150% Extended Replacement Coverage on the Dwelling Structures which provides an additional coverage to rebuild your home if necessary. The policy also includes $5,000 for your personal contents in the home along with Loss of Rents, which provides coverage for when a tenant can no longer stay on the property as a result of a covered loss. For more details on what we offer, visit our Homeowners’ Insurance page or gives us a call at 1-877-968-8825.

How Do We Decide Our Coverages?

To add a landlord insurance policy, all we need is:

  • Age of the Home
  • Size of the Home
  • Location of the Home

We don’t offer landlord insurance quotes online, so please give us a call at 1-877-968-8825. We use public county records to determine the age and size of the home, so please inform us if any information is not up to date and we’ll be happy to readjust the quote for you.

Homeowners

Homeowners

Start here to learn more about what a California homeowners’ insurance policy through Western Mutual can start doing for you. Whether you’re a new homeowner looking for the best rates with the best coverage or you’re looking to switch, our California homeowners’ policy can provide you with the most affordable, industry-standard coverage in the state.

Earthquake

Earthquake

Already have an extensive and affordable California homeowners’ insurance policy with us? Find out here how you can add more coverage for earthquake risk here all while keeping your primary homeowners’ insurance rates reasonable.

Condominium

Condominium

Looking for Condominium Insurance with quality coverage? Find out how to easily receive a quote in less than a minute.

Flood

Flood

Live in a flood zone that requires you to have flood insurance for your home or looking to secure extra coverage for additional protection? Visit our Flood Insurance page to find out how to incorporate Flood Insurance with your existing Homeowners’’ Insurance policy with us. Also, learn how you can switch your Homeowners’ policy to us while keeping a comparable Flood Insurance rate.

Landlord

Landlord

If you’re planning on or are already renting your house out to tenants, Western Mutual is here to provide you with top-notch protection for your investment property. We can advise you on how to add rental coverage in addition with your primary residence.

Seasonal

Seasonal

Planning on purchasing or switching insurers for your vacation home? Western Mutual offers the peace of mind that your seasonal home will have the protection you need.