Landlord insurance in California
Real Umbrella Insurance Agency (CA #6020329) places 1–4 unit landlord policies statewide. Pick a city for local pricing and coverage detail, or get a quote by address.
How much does landlord insurance cost in California?
In California, a 2–4 unit rental policy from Real Umbrella Insurance Agency typically runs $1,300–$2,000 per year as of 2026-10-01.
Rebuild cost, deductible, and claims history move individual quotes within and outside this band. See a specific city page for a local range.
What does a California landlord policy cover?
A California landlord policy covers dwelling, loss of rents, premises liability, and medical payments as of 2026-10-01.
California-specific endorsements for wildfire, water-backup, and ordinance-or-law are added where the risk and underwriting program allow.
Who is Real Umbrella and are you licensed in California?
Real Umbrella Insurance Agency is a California-licensed insurance agency (CA #6020329) placing landlord policies statewide as of 2026-10-01.
Coverage is placed with surplus lines (non-admitted) insurers; the specific insurer is shown on your quote.
Which California cities do you serve?
Real Umbrella Insurance Agency serves rental-property owners statewide; the pages below cover representative California markets as of 2026-10-01.
- Landlord insurance in Sacramento, CA
- Landlord insurance in Oakland, CA
- Landlord insurance in San Diego, CA
- Landlord insurance in Los Angeles, CA
- Landlord insurance in Santa Rosa, CA
- Landlord insurance in San Jose, CA
- Landlord insurance in San Francisco, CA
- Landlord insurance in Fresno, CA
- Landlord insurance in Long Beach, CA
- Landlord insurance in Riverside, CA
- Landlord insurance in Concord, CA
How do I get a California landlord quote?
Start a California quote online in under two minutes as of 2026-10-01.
An online submission reaches a California-licensed agent within one business day.
Where can I read more about California landlord insurance?
Our guides cover the questions a 1–4 unit California landlord runs into most often: non-renewals, surplus-lines policies, FAIR Plan tradeoffs, and more.
Last updated: 2026-10-01 · Source: Real Umbrella Insurance Agency internal estimate