FAQs

No. Employee injuries are handled by workers’ compensation, which California requires once you have employees.

Loss of rental income coverage may help replace the rent you would have collected while the unit is repaired, subject to policy terms.

No. Your policy covers the building and your liability, not the tenant’s personal property. Many owners require tenants to carry renters insurance.

No. Both are excluded and available separately. In high wildfire-risk areas, a FAIR Plan and DIC combination may be used for the structure.

A personal umbrella can extend over a rental dwelling you own, but not automatically, and two mechanics govern it. The rental normally has to be disclosed and listed on ...

Landlord insurance is built for a property you rent to others and can include liability as an owner and loss of rental income, which a homeowners policy is not ...

Generally no. A personal umbrella is built for personal liability and typically excludes business pursuits, which means a claim arising out of your work usually falls outside it even ...

There is no single industry formula, but there is a widely used starting point, and it is worth knowing both what it does and where it stops. The common ...

Usually yes. Umbrella policies typically require underlying liability limits on your auto and home policies. We help you coordinate them.

It may still be worth it. A large share of flood claims come from outside high-risk zones, and California burn scars raise risk in many areas. ...