Landlord and Rental Property Insurance in California
Coverage built for landlords and rental property owners
From a local Farmers agency in Ontario, serving the Inland Empire and all of California.
Call (909) 972-0699 or get a free quote below.
Get My Free QuoteA regular homeowners policy usually isn't built for a home you rent out. Landlords need coverage for the building, their liability to tenants, and the rent they depend on. We help Inland Empire rental owners protect their investment.
Who we cover
- Single-family rental owners
- Duplex to fourplex owners
- Condo and townhome landlords
- Owners of homes rented to family members
- Short-term rental hosts
Coverage to consider
Dwelling coverage
Protects the rental building against covered losses like fire and wind.
Landlord liability
Covers you if a tenant or guest is injured and holds you responsible.
Loss of rents
Replaces rental income while the home can't be occupied after a covered loss.
Other structures
Covers garages, fences, and sheds on the property.
Umbrella
Adds extra liability limits, especially helpful with multiple rentals.
Coverage options, limits, and eligibility vary by carrier and are subject to underwriting. We'll match you with the right options from the carriers available to our agency.
Common risks we help you plan for
Water damage, fires, tenant injuries on stairs or walkways, and months of lost rent after a loss are the most common landlord claims.
Why work with a local agent
Our office is at 3602 Inland Empire Blvd #C330, Ontario, CA 91764, so you can sit down with us in person or handle everything by phone and text. We review your operations, explain your options in plain language, and help when it's time to file a claim.
3602 Inland Empire Blvd #C330, Ontario, CA 91764
Office hours: 9:00 to 5:30
Phone: (909) 972-0699
Areas we serve
We work with landlords and rental property owners throughout the Inland Empire, including Ontario, Rancho Cucamonga, Chino Hills, Chino, Upland, Fontana, Montclair, and Eastvale, and across California.
Related coverage
Frequently asked questions
Can I keep my homeowners policy if I rent out my house?
Usually not. Most homeowners policies are for owner-occupied homes. Once you rent it out, you typically need a landlord (dwelling fire) policy.
Does landlord insurance cover my tenant's belongings?
No. Tenants need their own renters insurance, and many landlords require it in the lease.
Do short-term rentals need different coverage?
Often yes. Short-term rentals can need special coverage, so tell us how the home is rented.
Do you serve businesses outside Ontario?
Yes. Our office is in Ontario, and we serve businesses throughout the Inland Empire and across California.
Get your free quote
Farmers Insurance, Young Douglas. CA License #4091974. Coverage, discounts, and eligibility vary and are subject to underwriting.
Disclaimer
Farmers Insurance - Young Douglas provides home, auto, life, and commercial insurance products independently. References to mortgage brokers, real estate agents, or other professionals are for convenience only and do not imply a referral arrangement or financial affiliation.