Landlord insurance in San Diego, CA
We place San Diego landlord policies through Real Umbrella — from the 1920s–1940s duplexes and fourplexes around North Park and University Heights, to the 1950s–1970s multiplexes in City Heights and Clairemont, to the mid-century wood-frame rentals near the coast. We're still gathering a representative price range for San Diego; call (415) 845-9814 and we'll quote your address today.
Get a San Diego estimate
Enter the rental property address and pick single-family, duplex, triplex, or fourplex. We'll show your annual and monthly estimate next.
Price first. No call required.
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How much does landlord insurance cost in San Diego for a 1–4 unit rental?
We're collecting San Diego quotes now; call for a current price as of October 2026. Price rows will appear here once we have a representative sample across the main neighborhoods — North Park and University Heights duplexes, City Heights and Clairemont multiplexes, and the coastal wood-frame rentals.
What does a San Diego landlord policy cover?
A DP-3 landlord policy covers the building on an open-perils basis (fire, wind, water damage from burst pipes, vandalism), lost rent while the building is uninhabitable after a covered loss, and liability if a tenant or visitor is injured in San Diego as of October 2026. It does not cover the tenant's belongings, flood, or earthquake; earthquake is a separate policy in California. Standard limits through Real Umbrella are $300,000 liability and a $2,500 deductible, both adjustable. Coastal exposure matters for underwriting on wind and water damage; roof condition weighs heavily on the 1920s–1940s stock in North Park and University Heights.
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 2–4 unit rental property as of October 2026. We place San Diego landlord policies on a surplus-lines basis for buildings outside the admitted-market appetite — common in older or coastal-adjacent stock. Surplus-lines policies are priced outside California's admitted-rate rules, and they're not covered by the California Insurance Guarantee Association; we disclose this on every policy.
Is an inspection required?
No visit is required to get a quote or bind a San Diego policy as of October 2026. Underwriting reviews roof condition from aerial imagery and public records; some properties — especially pre-1960 roofs in North Park, University Heights, or coastal exposure zones — are declined on roof condition, and we'll tell you before you pay.
How fast can I get a San Diego quote?
Enter the address and you'll see a price in about a minute as of October 2026, though San Diego-specific bands are still being collected and your quote may come back by email instead. Confirming details, signing, and paying takes another five minutes once a price is on screen. The policy issues the same day in most cases, and you can set the start date in advance to line up with your current policy's expiration.
How do I reach a Real Umbrella agent?
Call (415) 845-9814 during business hours as of October 2026, or start online and we'll follow up by email within one business day.
Last updated: 2026-10-05 · Call (415) 845-9814 for a live quote.