Renting out a property brings unique risks that a standard homeowners policy won't cover. Landlord Insurance (DP-3) is designed specifically for owners of 1-4 unit residential buildings used as rentals.

Whether you own a single rental condo in Carlsbad or a portfolio of multi-family homes in North County, Advanced Brokers helps you protect your investment, your liability, and your critical rental income.

Specialized Landlord Benefits

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Structure Protection

Covers the 1-4 unit building, attached structures, and on-site maintenance equipment from fire, wind, and vandalism.

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Loss of Rents

Replaces lost rental income if your property becomes uninhabitable due to a covered loss like fire or major water damage.

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Premises Liability

Protects you if a tenant or guest is injured on the property and claims you were negligent as the property owner.

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Landlord Property

Covers property you own at the site, such as appliances (washers/dryers), lawnmowers, or snowblowers.

Landlord Insurance FAQ

Are my tenants' belongings covered? ▼

No. Tenant personal property is not covered by your landlord policy. We strongly recommend requiring your tenants to carry their own Renters Insurance policy.

Does this cover short-term vacation rentals (Airbnb)? ▼

Standard landlord policies are for annual rentals. Short-term rentals require specific endorsements or specialized commercial policies. Let us know if you're using the property for vacation rentals.

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