Rental Investment Property Insurance

California Insurance Specialists provides competitive insurance for your valued asset by representing many top-ranked National and Regional insurance companies, which allows us to obtain the best price and policy to meet your individual needs. Just take a moment to complete the "QUOTE REQUEST" form. You will immediately receive a personalized RENTAL/INVESTMENT PROPERTY QUOTE to compare rates and coverages with your current carrier.

Rental-Investment Property Insurance

Helpful questions and guidelines to consider before you complete the form:
  1. How much dwelling coverage do I need?
    Dwelling coverage should be enough to cover the cost to rebuild your home. Not the current market value of your home. The following table can assist you in determining the approximate replacement value of your home:

    Formula: (Sq.ft of home) x (Construction cost per sq.ft.) = Dwelling Amt.
    Cost Factors for homes:
    over 3000 sq.ft. use
    $170.00 per foot
    1501 to 3000 sq.ft. use
    $150.00 per foot
    1000 to 1501 sq.ft. use
    $130.00 per foot
    0 to 1000 sq.ft. use
    $115.00 per foot

    Also, if a real estate appraisal has been done within the last three years , the cost to replace your home can be found in the Valuation Section of the report.

  2. How much liability coverage do I need?
    Liability coverage protects you from claims and lawsuits brought against you for damage of bodily injury and property damage caused by an occurrence where coverage applies. Deciding upon the level of coverage depends upon your individual needs and certain factors including the value of your assets and the amount of coverage you can afford. Approximate cost is $10 per year per 100,000 increase in coverage. We always recommend a minimum coverage that matches current and future assets and income.

  3. Building Code Upgrade Coverage
    Includes coverage for additional costs of repairing or replacing damaged dwelling with any new building codes or zoning laws required by government agencies. The cost usually runs about 10% of the annual premium of the policy.
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