For California Landlords & Rental-Property Owners

Landlord Insurance.
Shopped, Not Settled.

The independent brokerage for California landlords and investors. If you rent out a property — single-family, small multifamily, or seasonal — you need a DP-3 dwelling-fire policy, not a homeowners policy. We shop it across admitted and specialty markets: dwelling, other structures, loss of rents, and liability. Own the home you live in? See Homeowners →

Start your application → Call 562-COVWELL

Indication in about 4 minutes · Single-family, multifamily & seasonal rentals · No broker fee · No obligation

1–4 units Single-family & small multifamily
Loss of rents Fair rental value protected
All 50 states Licensed · CA DOI #0D94699
No fee On standard placements
See who we cover
The rentals we place for you

One application, the right dwelling-fire market for your rental

A DP-3 is not a homeowners policy with the name changed — it is built for a home someone else lives in. We match your rental to the carriers that actually want it.

Most common

Single-family rentals

A house you own and rent to long-term tenants — the core DP-3 risk, placed across admitted landlord markets.

2–4 units

Small multifamily

Duplexes, triplexes, and fourplexes on a dwelling-fire basis, with per-unit occupancy and loss-of-rents built in.

Seasonal

Vacation & seasonal rentals

Short-term and seasonal rentals that standard homeowners forms exclude — matched to specialty appetite.

Transitional

Vacant & renovation

Between tenants or mid-renovation? We place vacancy and builder's-risk-adjacent coverage so a gap never bites.

See why a rental needs a DP-3, not an HO-3 →

Availability and appetite vary by property, occupancy, ZIP, and quarter; listing a segment isn't a guarantee of an offer. All indications are preliminary and subject to underwriting.

What a DP-3 Covers

The landlord's coverages, one policy

A dwelling-fire policy protects the building and your rental income — the tenant insures their own belongings. Get these right and the rest is fine print. Full DP-3 guide →

COVERAGE A

Dwelling

The rental structure at rebuild cost — open-perils on a DP-3 special form, the number every other limit hangs off.

COVERAGE B

Other Structures

Detached garages, fences, and sheds on the rental lot — typically a percentage of Coverage A, adjustable to the property.

COVERAGE D / E

Fair Rental Value

Loss of rents — the income you keep collecting while a covered loss makes the unit unrentable. The coverage landlords most often under-buy.
COVERAGE L

Landlord Liability

Defends and pays when a tenant or guest is injured on the premises — a slip on the stairs, a dog on the property. $300k is the floor we discuss.

OPTIONAL

Vandalism & Theft

Vandalism and malicious mischief — often excluded when a unit sits vacant, so it is endorsed deliberately, not assumed.

OPTIONAL

Ordinance or Law

Pays the extra cost to rebuild an older rental to current code — critical on the pre-1980 buildings that fill California's rental stock.

What Drives Your Premium

Six levers set a California landlord premium

Rental risk prices differently than owner-occupied. The levers below are what carriers actually weigh — and where an independent broker earns the spread.

1 · Occupancy & tenancy

Long-term lease, month-to-month, or short-term — each shifts appetite and pricing more than the ZIP does.

2 · Wildfire exposure

The dominant California factor — brush distance and fire-zone mapping decide which markets will write the rental at all.

3 · Coverage A

Premium scales with rebuild cost. Insure the structure to rebuild, not to the price you paid or the rent roll.

4 · Loss of rents

Fair rental value limit and the number of units directly move the premium — and the payout when a unit goes dark.

5 · Age & systems

Roof age, wiring, and plumbing on older rentals push carriers to surcharge, exclude, or decline — documentation reopens doors.

6 · Carrier choice

The same rental prices well apart across admitted and specialty markets. This one is our job.

Get Started

Ready to price your rental the right way?

Takes about 4 minutes. No commitment. Live indication as you answer — then a signed application our brokers take to the landlord market.

Start your application →

Or call us directly: 562-COVWELL · reviews@bollinsure.com