California Property, Landlord and HOA Insurance Guides
Own a rental, a condo, an apartment building, or commercial property in California? These guides explain landlord and condo coverage, HOA master policies and special assessments, commercial property and lease requirements, and options in high fire-risk areas.
Start here
- Landlord Insurance CaliforniaHow California landlords can approach rental property insurance, liability, loss of rents, and harder-to-place buildings with the right policy structure.
- Condo Insurance CaliforniaLearn how California condo owners can approach condo insurance, HOA master policy gaps, liability, personal property, and loss assessment coverage.
- HOA Insurance CaliforniaHow California HOAs should approach master policy insurance, shared-property exposure, liability, and directors and officers (D&O) coverage.
- Commercial Property Insurance in CaliforniaCommercial property insurance for California buildings: apartments, HOAs, offices, industrial and warehouses. FAIR Plan + DIC, earthquake, non-renewal help. SF broker.
More guides and updates
- Apartment Building Insurance CaliforniaLearn how California apartment building owners should think about property coverage, landlord liability, common-area exposure, and underwriting pressure points.
- Before the next special assessment: 5 insurance questions to ask your HOA boardBefore your HOA sets its 2027 budget, ask about reserves, the master policy deductible, earthquake and water coverage, and mitigation credits.
- Soft-story apartment owners: seismic retrofits, earthquake coverage and loss of rentsSan Francisco and Oakland soft-story retrofit rules, and how retrofit status affects earthquake insurance and loss-of-rents coverage for landlords.
- Lake Tahoe Homeowners and Landlord Insurance: More Options Beyond the California FAIR PlanTruckee and South Lake Tahoe owners may have more options than the FAIR Plan. Compare homeowners, second-home, landlord, and short-term rental coverage.
- California Commercial Property Insurance in 2026: What Tenants and Building Owners Should Check Before Signing or Renewing a LeaseCalifornia commercial property insurance is shifting in 2026. What tenants, landlords, and building owners should review before signing or renewing.
- Leasing Commercial Space in San Francisco in 2026: Insurance Checklist Before You SignA 2026 checklist for San Francisco commercial leases: COIs, liability, property, tenant improvements, and vacancy clauses to review before move-in.
- California Commercial Property Insurance in High Fire Risk Areas: 2026 Renewal Checklist for Business OwnersWildfire-exposed California businesses: start property renewals early, document mitigation, and compare admitted, specialty, and FAIR Plan options.
- Premises Liability When Taking the Keys for Commercial Build-Out in CaliforniaCalifornia tenants can face insurance gaps between getting the keys for build-out and binding permanent coverage. What to review before work starts.
- Renters Insurance in CaliforniaProtect belongings and liability with California renters insurance. ESI helps renters compare options and meet landlord requirements.
Get help with your coverage
Questions about your own policy? Go to Get a Quote and choose Landlord Insurance, Condo Insurance, HOA Insurance, or Commercial Property Insurance, or call (415) 440-5136. ESI Insurance Brokers is Express Service Insurance Agency, Inc., CA LIC# 0G83954, 2085 Van Ness Ave, San Francisco, CA 94109.
Browse all articles or the other topics: Wildfire and FAIR Plan Insurance, Earthquake and Flood Insurance, Small Business Insurance, Insurance Laws and Market News.
