Seguro para Propietarios de Alquiler
Cobertura hecha para una propiedad que usted alquila, no en la que vive. Asegura el edificio, la renta que perdería tras una pérdida cubierta y su responsabilidad como dueño. La cotizamos según su propiedad real.
Licencia de California #6020106
Menlo Insurance Services es el nombre registrado de Opero Labs Inc., con licencia del Departamento de Seguros de California.
Con licencia en cuatro estados hoy
California, Texas, Pensilvania y Nueva York. Las solicitudes en Ohio, Carolina del Norte y Michigan están en trámite ante esos estados. No cotizamos en un estado antes de que su licencia sea emitida.
Corredora independiente
Tenemos nombramientos con varias aseguradoras, así que la cotización se compara en el mercado en lugar de salir de un solo estante.
Qué cubre esta póliza
The building
Repairing or rebuilding a rental dwelling after fire, wind, and other covered losses, at today's construction costs.
Lost rental income
The rent you would have collected while a covered loss makes the unit unlivable during repairs.
Liability as an owner
If a tenant or visitor is injured on the property and you are found responsible.
Other structures
Detached items on the lot like a garage, fence, or shed.
Hecho para dueños de alquiler en California
- Propietarios que alquilan una vivienda por primera vez
- Dueños de una sola unidad o un pequeño dúplex
- Inversionistas que agregan una propiedad a su cartera
- Quienes aún aseguran un alquiler con una póliza de hogar
Qué cambia su prima
No existe una tarifa fija para esta cobertura. Estos son los datos que la aseguradora usa para tarifar, y son los mismos que le pide el formulario de cotización.
- The rebuild cost of the building
- How many units and how they are occupied
- Whether the rental is long-term or short-term
- Loss of rents coverage and how long it runs
- The deductible and any catastrophe deductible
Preguntas frecuentes
What is landlord insurance?
It is property and liability coverage for a home or unit you rent to someone else. It insures the building, the rent you would lose after a covered loss, and your liability as the owner. It is not the same as homeowners insurance, which assumes you live there.
How is landlord insurance different from homeowners insurance?
A homeowners policy assumes the owner occupies the home and covers their personal belongings. A rented property carries different risks, so a homeowners policy can be the wrong fit or even void a claim. Landlord insurance is built for the rental use and usually adds loss of rent.
How much does landlord insurance cost?
It depends on the property's location, age, construction, the coverage limits, and whether it is a single unit or a small multi-unit. Landlord policies often run somewhat higher than a comparable homeowners policy because of the added liability and loss-of-rent coverage. We quote it against your actual property rather than a flat rate.
Do I need landlord insurance in California?
No law requires it, but a lender almost always does, and renting a property on a standard homeowners policy risks a denied claim. For most owners it is the difference between a covered loss and paying out of pocket.
Should I require my tenants to carry renters insurance?
Yes, and you can make it a lease requirement. Your landlord policy does not cover a tenant's belongings, and renters insurance also carries liability that can keep small tenant-caused incidents off your policy. We can explain how to word the requirement.
Does landlord insurance cover loss of rent?
Most policies include fair rental value coverage, which pays the rent you would have received while a covered loss makes the unit uninhabitable during repairs. It does not cover rent lost because a tenant stops paying. We confirm the limit fits your actual rent.
Does this policy cover the tenant's belongings?
Your policy does not cover a renter's furniture or possessions. That is their renters policy, which you can require in the lease.
Does this policy cover flood and earthquake?
Both are excluded from a standard landlord policy and need separate coverage, which matters in California.
Does this policy cover wear, aging, and neglect?
Deferred maintenance and gradual deterioration are upkeep, not an insured loss.
Does this policy cover vacancy beyond policy limits?
A unit left empty for an extended period can change or suspend coverage. Tell us if it will sit vacant.
Can you write this where I live?
Tenemos licencia en California, Texas, Pensilvania y Nueva York, y las solicitudes en Ohio, Carolina del Norte y Michigan están en trámite ante esos estados. No cotizamos en un estado antes de que su licencia sea emitida. Comience una cotización y le diremos en qué situación está antes de que invierta tiempo.
¿Qué pasa realmente después de comenzar una cotización?
Usted responde unas pocas preguntas y un corredor con licencia de Menlo las lee, clasifica su operación y la compara con las aseguradoras con las que tenemos nombramiento. No hay emisión instantánea ni caja negra. Habla con una persona antes de que se cotice nada.
Coberturas que se complementan con esta
Homeowners Insurance
The structure, everything inside it, and your liability as the owner of the place it happened.
Umbrella Insurance
Extra liability limit sitting above the home and auto policies you already carry, for a fraction of what raising each one costs.
Auto Insurance
Liability, damage to the car, and the other driver who turns out to have no insurance at all.
Obtenga una cotización de propietario para su alquiler
Cuéntenos sobre la propiedad y cómo se alquila. Comparamos aseguradoras y confirmamos que la cobertura del edificio, responsabilidad y pérdida de renta se ajuste.