Landlord insurance in Long Beach, CA
We place Long Beach 1–4 unit landlord policies through Real Umbrella — the 1920s–1930s Craftsman and Spanish Revival bungalows across Alamitos Beach, Belmont Heights, and Rose Park; the 1950s–1970s duplex and small-apartment stock in Bixby Knolls and North Long Beach; and the 1980s–2000s inventory inland. We're still gathering a representative price range for Long Beach; call (415) 845-9814 and we'll quote your address today.
Get a Long Beach estimate
Enter the rental property address and pick single-family, duplex, triplex, or fourplex. We'll walk you through the rest of the quote on the next screen.
Price first. No call required.
Prefer to talk through it? (415) 845-9814.
How much does landlord insurance cost in Long Beach for a 1–4 unit rental?
We're collecting Long Beach quotes now as of October 2026; call for a current price. The drivers that move a Long Beach quote most are rebuild cost (close to LA-city levels), plumbing age on the pre-1950 coastal stock in Alamitos Beach and Belmont Heights, and prior water-damage claim history.
Which rent rules apply to my Long Beach rental?
Two layers apply as of October 2026: Long Beach's Just Cause for Termination of Tenancies Ordinance (LBMC Chapter 8.99, adopted March 10, 2020) and the statewide Tenant Protection Act (AB 1482). The city ordinance requires just cause for terminations once a tenant has lived in the unit for twelve months and specifies relocation assistance for no-fault terminations; the city's Housing and Neighborhood Services Bureau publishes current notice forms and relocation-assistance amounts. AB 1482 covers rentals that are not single-family-owner-exempt and are more than 15 years old, capping annual increases at the lesser of CPI + 5% or 10%.
The city does not operate a rent-cap program separate from AB 1482 — Long Beach's local layer is primarily the just-cause and relocation framework, not a lower rent-increase ceiling. Lost-rents coverage on a landlord policy pays while the unit is uninhabitable after a covered loss, bounded by the pre-loss rent; the relocation obligation under the local ordinance is a landlord expense that is not loss-of-rents coverage.
Sources: Long Beach Just Cause for Termination of Tenancies Ordinance (city overview); Long Beach Municipal Code Chapter 8.99 (Just Cause for Termination of Tenancies); AB 1482, Tenant Protection Act of 2019 (California Legislative Information).
I own an older Long Beach building. What's the most common claim?
Water, not fire, is what Long Beach rental owners on the pre-1950 coastal stock actually call about. Alamitos Beach, Belmont Heights, Belmont Shore, and Rose Park are dominated by 1920s–1930s Craftsman and Spanish Revival structures with original or lightly-updated plumbing and salt-air roof exposure. The U.S. Census Bureau's American Community Survey publishes year-built medians for Long Beach — follow the link below for the current estimate.
Sources: U.S. Census Bureau QuickFacts: Long Beach city, California (housing); U.S. Census Bureau ACS table B25035: Median Year Structure Built.
What about earthquake?
A landlord DP-3 does not cover earthquake. Long Beach sits on the Newport-Inglewood Fault, which produced the 1933 Long Beach earthquake — a magnitude 6.4 event that prompted the Field Act for school construction, the first state-level seismic standard aimed specifically at California public-school buildings. If you want earthquake coverage on your rental it comes as a separate policy from a private or non-admitted market, with its own deductible structure.
Sources: USGS: 1933 Long Beach earthquake; California Division of the State Architect: The Field Act.
Does my Long Beach property sit in a wildfire hazard zone?
Usually no. The state's Office of the State Fire Marshal publishes a Fire Hazard Severity Zone (FHSZ) map, and Long Beach — flat coastal plain, dense urban grid — carries limited FHSZ exposure. The dominant structure-fire risk here is urban, not wildland, and underwriting treats it accordingly.
What does a Long Beach landlord policy cover?
A DP-3 landlord policy covers the building on an open-perils basis (fire, wind, water damage from a sudden burst pipe, vandalism), lost rent while the building is uninhabitable after a covered loss, and liability if a tenant or visitor is injured. Water damage is covered when the cause is a sudden burst; it is not covered for a gradual leak. The policy does not cover the tenant's belongings, flood, or earthquake; earthquake is a separate policy from a private or non-admitted market.
Who is Real Umbrella and are you licensed in California?
Real Umbrella Insurance Agency is a California-licensed independent insurance agency, license #6020329, specializing in 1–4 unit rental property. Coverage is placed with surplus lines (non-admitted) insurers; the specific insurer is shown on your quote. Surplus-lines policies are priced outside California's admitted-rate rules, and they are not covered by the California Insurance Guarantee Association — we disclose this on every policy.
What does underwriting check on my Long Beach rental?
Underwriting reviews roof condition from aerial imagery and public records; some properties — especially pre-1950 roofs in Alamitos Beach, Belmont Heights, or Rose Park — are declined on condition, and we'll tell you before you pay.
How do I reach a Real Umbrella agent?
Call (415) 845-9814 during business hours, or start online and we'll follow up by email within one business day.
Nearby California cities
Last updated: 2026-10-21 · Call (415) 845-9814 for a live quote.