Landlord Insurance (DP‑1 • DP‑2 • DP‑3) Built for California Rentals
Standard homeowners insurance won’t cover tenant‑occupied homes. Get landlord coverage that protects your dwelling, liability, and rental income—for single‑family rentals, duplexes, fourplexes, condos, and ADUs across Lathrop, Tracy, Stockton, Manteca, Modesto, San Jose, Fremont and statewide.
Dwelling Coverage
Protects the structure from covered perils; options for DP‑1, DP‑2, and DP‑3 (special form).
See CoverageLoss of Rents
Fair Rental Value if a covered loss makes your unit uninhabitable.
Learn MoreLandlord Liability
Helps protect you if a tenant or guest is injured and you’re found liable.
Learn MoreWater Backup
Optional protection for sump/sewer backup where available.
Add‑OnsService Line & Breakdown
Options for buried utility lines and equipment breakdown.
Add‑OnsVacancy & STR
Solutions for vacant properties and short‑term rentals (Airbnb/VRBO)†
See If You QualifyWhat Landlord Insurance Covers
- Dwelling (Coverage A): Home structure for covered perils; DP‑3 offers broad “special form” protection.
- Other Structures (B): Garages, fences, sheds on the rental premises.
- Landlord’s Furnishings: Appliances and landlord‑owned items (limits vary).
- Loss of Rents (D): Fair Rental Value while repairs are made after a covered loss.
- Liability & Med Pay: Third‑party injury/property damage claims and guest medical.
- Vandalism & Malicious Mischief: Often optional, especially on vacant risks.
- Replacement Cost vs. ACV: Choose how claims are settled on building/contents.
DP‑1 vs. DP‑2 vs. DP‑3: DP‑1 named perils (basic), DP‑2 broader named perils, DP‑3 special form (most comprehensive for the structure). We’ll quote the right fit and budget.
Popular Add‑Ons (California‑Ready)
- Umbrella Liability: Extra protection over your landlord policy limits.
- Water Backup: Sump/sewer backup where offered.
- Service Line: Repairs to underground pipes/wires from street to home.
- Equipment Breakdown: For systems like HVAC, boilers, and major appliances.
- Ordinance or Law: Code‑upgrade costs after a covered loss.
- Earthquake & Flood: Separate policies/endorsements—ask us for quotes.
† Short‑term rental eligibility varies by carrier and occupancy; we’ll confirm the right form and endorsements.
Who Is This For?
- Single‑family rentals (SFR) and townhomes
- Duplex, triplex, and fourplex (1–4 units)
- Condo/HOA landlords (incl. HO‑6 landlord endorsements)
- ADUs and accessory dwelling units
- Small apartment buildings (ask for options)
- Short‑term/medium‑term rentals (eligibility varies)
Add property managers as additional insured; list lenders/mortgagees; get evidence of insurance fast for escrow or refi.
How JSSR Helps Landlords
- We shop multiple carriers for competitive rates
- Same‑day evidence for lenders, PMs, and HOAs
- Guidance on vacancy rules and STR endorsements
- Options to bundle umbrella and multi‑property portfolios
What Affects Your Premium (and How to Save)
- Year Built & Updates: Roof, plumbing, electrical, HVAC upgrades help.
- Roof & Protection: Composition roof age, distance to fire hydrant, alarms/sprinklers.
- Occupancy & Pets: Tenant profile, animal liability rules.
- Deductible & Settlement: Higher deductibles and ACV can lower price; RCV offers broader protection.
- Multi‑Policy Discounts: Bundle umbrella or other rentals for savings.
Why Choose JSSR Insurance Agency
Local Expertise
Based in Lathrop • Serving CA & neighbors
Landlord Know‑How
DP forms, lender needs, and PM requirements
Fast & Friendly
Direct access to an agent—no call center
Service Area
We help landlords across California (San Joaquin County, Lathrop, Tracy, Stockton, Manteca, Ripon, Mountain House, Modesto, San Jose, Fremont, Santa Clara County, Sacramento, Fresno, Los Angeles, San Diego) and nearby states as needed.
Frequently Asked Questions
What’s the difference between homeowners and landlord insurance?
Homeowners is for owner‑occupied homes. Landlord (DP) policies are designed for tenant‑occupied properties, with coverage for loss of rents and landlord liability.
What is DP‑3 coverage?
DP‑3 is a “special form” that broadly protects the structure against most perils unless excluded. Contents and loss of rents follow policy terms—ask us to compare DP‑1/2/3.
How does Loss of Rents work?
It reimburses lost rental income while your unit is uninhabitable due to a covered loss, during reasonable repair time limits in the policy.
Can I insure a vacant property?
Yes—eligibility and coverages differ. We’ll place you in a program that fits vacancy timelines and security requirements.
Do you cover short‑term rentals?
Some carriers allow STR with specific endorsements and rules. We’ll verify eligibility and recommend the correct form.
Ready for a Fast, Competitive Quote?
We’ll collect a few property details and email lender‑ready evidence—often the same day.
Call (209) 701‑6900 Book a Time
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JSSR Insurance Agency — Our Knowledge, Your Success.
Disclaimer: This page provides general information and is not a guarantee of coverage. Policy terms and availability vary by carrier and state.
