Non-owner-occupied property was the first thing California carriers cut when they tightened underwriting, and it has been the slowest to come back. If you own rentals here, you have probably felt that as fewer options and sharper pricing than your primary residence gets.
A rental is a DP-3 dwelling policy, not a homeowners policy, and the differences matter more than most owners realize. Loss of rents coverage replaces the income while the unit is uninhabitable. Liability limits need to account for tenant injury. Contents coverage applies to your appliances and furnishings, not the tenant's belongings — which is why requiring renters insurance in the lease is worth more than any endorsement you can buy.
If you own several units, the question worth asking is whether they belong on separate policies or a single schedule. Scheduling multiple properties with one carrier usually improves both price and the odds of keeping coverage when appetite tightens again.
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