The top-rated landlord insurance agent in La Quinta, California is Integrity Agents Insurance Services Inc, rated 4.9 stars across 59 reviews. Other highly rated options include Robert Stowe Insurance Agency, Inc. A Farmers Insurance Agency, Fred Loya Insurance, Palm Valley Insurance Services. This directory lists 11 landlord insurance agents serving La Quinta.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Integrity Agents Insurance Services Inc | 51555 Desert Club Dr Suite 350 | (760) 625-0777 |
| 2 | Robert Stowe Insurance Agency, Inc. A Farmers Insurance Agency | 79710 CA-111 # 100 | (760) 342-2786 |
| 3 | Fred Loya Insurance | 79295 CA-111 Ste 230 | (760) 984-5157 |
| 4 | Palm Valley Insurance Services | 77777 Calle Tampico | (760) 775-7256 |
| 5 | Blake Lashgari: Allstate Insurance | 79200 Corporate Centre Dr Ste 103 | (760) 564-2443 |
| 6 | Ellen Miller Insurance | 79280 N Sunset Ridge Dr | (760) 328-4251 |
| 7 | Horace Mann Insurance Co | 78010 Main St Suite 200-E | (760) 279-6700 |
| 8 | Coachella Valley Insurance | 78411 CA-111 | (760) 227-2564 |
| 9 | WBA Insurance Agency | 51025 Avenida Mendoza Suite 101 | (760) 777-1307 |
| 10 | Bond Specialist Insurance Services | 78150 Calle Tampico # 211 | (760) 564-1111 |
Integrity Agents Insurance Services Inc serves the Coachella Valley area from its La Quinta, California office, specializing in landlord insurance agent services. The firm assists residential and commercial property owners in securing policies that cover rental properties. Their work includes helping clients understand liability protection and loss-of-rent coverage, which are essential for landlords managing investment properties in this market. The agency regularly handles policy reviews for short-term vacation rentals and advises on flood or wind exposure concerns affecting rental units in the region.
Robert Stowe Insurance Agency, Inc. A Farmers Insurance Agency provides landlord insurance policies that protect residential and commercial rental properties in the La Quinta, CA area. Their services cover property damage, liability protection, and loss of rental income, with support available for adjusting coverage as tenant situations change. The agency helps property owners manage their insurance needs by offering clear explanations of policy options. It services single-family homes, apartments, retail spaces, and restaurants.
Fred Loya Insurance serves La Quinta and the surrounding Coachella Valley communities with landlord insurance agency services for residential rental properties. It handles coverage options that protect property owners from tenant-related damages, liability claims, and loss of rental income. When managing a typical assignment, the agency works directly with landlords to assess individual property risks and match coverage limits to the specific needs of each rental unit and local regulatory requirements.
Palm Valley Insurance Services serves La Quinta and the surrounding Coachella Valley communities, handling landlord insurance policies for residential rental properties. The company works with property owners to address coverage needs specific to renting out homes, condos, and duplexes in the region. Policies are designed to protect buildings from common rental risks, such as fire, water damage, and liability claims from tenants or visitors. When managing a typical job, the agent reviews the property’s unique exposures and adjusts deductible levels to match the landlord’s financial comfort.
Blake Lashgari: Allstate Insurance focuses on landlords and property managers in La Quinta, providing tailored coverage options for rental properties. Services include protection for dwelling structures, liability coverage, and loss of rental income policies. Clients can rely on professional guidance to match policies with their specific investment needs. The agency also serves property owners in the nearby Palm Desert community and surrounding Coachella Valley areas.
Ellen Miller Insurance provides landlord insurance agents in La Quinta, CA, offering both one-time policy purchases for single property closings and recurring service options for ongoing portfolio management. Coverage addresses property damage, liability, and loss of rental income specific to residential rental units. This agent evaluates each property’s unique risk profile to tailor protection appropriately. Service runs on both a one-time and as-needed basis, accommodating new acquisitions or existing holdings that require periodic policy review.
Horace Mann Insurance Co offers specialized landlord insurance services for property owners in La Quinta, California. Its work includes coverage for rental dwellings, such as protection against property damage and liability claims. The company also provides guidance on policy options tailored to local real estate conditions. Insurance needs often arise during the hot summer months, when cooling system failures can lead to tenant disputes and costly repairs, which the agency helps address.
As the summer heat drives up maintenance needs for La Quinta rental properties, Coachella Valley Insurance helps landlords protect their investments from weather-related risks. This landlord insurance agent focuses on policies that cover fire, water damage, and liability from tenant injuries. The company works to match each property owner with appropriate coverage limits and deductible options. Their consultation begins with a review of the rental property’s specific exposures. An in-person inspection of the building and surrounding grounds follows to assess structural condition and safety features.
WBA Insurance Agency operates in La Quinta, California, helping property owners manage risks associated with residential rentals. Its core services include liability coverage and protection against building damage, with options to add loss of rental income and ordinance or law endorsements for updated code compliance. The agency can serve commercial sectors that require specialized policies, including offices, warehouses, and food service establishments requiring robust property and general liability protections.
Bond Specialist Insurance Services assists residential property owners in La Quinta and the surrounding Coachella Valley with securing coverage for rental homes and vacation units. The agency also handles commercial landlord policies for small apartment buildings and mixed-use properties. By assessing each property’s specific risk profile, they help clients find appropriate liability and dwelling protection. After policies are issued, the company remains available to adjust coverage as tenant turnovers or property renovations occur, ensuring consistent support between regular visits.
What Does a a Landlord Insurance Agent in La Quinta Cost?
Typical landlord insurance in California costs between 15 and 30 percent more than standard homeowners insurance. For a single family rental in La Quinta premiums often range from 800 to 1,800 dollars per year depending on property value location and coverage limits. Policies with higher liability limits or coverage for natural disasters like earthquakes cost more. This is general information not insurance advice.
About landlord insurance agents in La Quinta
Landlord insurance agents in La Quinta California help property owners protect their rental investments. California law requires landlords to maintain certain liability coverage and disclose insurance details to tenants under Civil Code Section 1950.5. These agents can guide you on policies that cover fire damage water leaks and tenant liability in the Coachella Valley area.
Frequently Asked Questions
What does a landlord insurance agent in La Quinta do?
A landlord insurance agent helps you find a policy that covers your rental property in La Quinta. They assess your risk from desert climate issues like heat damage and flash floods. They also ensure your policy meets California legal requirements for liability and loss of rent coverage.
Is landlord insurance required by law in California?
California law does not require landlord insurance but most mortgage lenders do require it. Without coverage you could be personally liable for property damage or tenant injuries. A local agent can explain the minimum coverage needed for your La Quinta rental.
How does California law affect landlord insurance costs?
California Civil Code limits security deposits and requires prompt return of funds which can affect claim scenarios. The state also has strict liability rules for habitability issues like mold or pest infestations. These factors can raise premium costs for landlord policies in La Quinta.
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