The top-rated landlord insurance agent in Madera, California is Cost-U-Less Insurance, rated 4.9 stars across 330 reviews. Other highly rated options include Local Medicare Agents - LMA Insurance, AAA Madera Branch, Elite Home & Auto Insurance Agency. This directory lists 19 landlord insurance agents serving Madera.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Cost-U-Less Insurance | 2380 W Cleveland Ave E-5 | (559) 397-0366 |
| 2 | Local Medicare Agents - LMA Insurance | 1825 Howard Rd Suite C | (559) 648-9227 |
| 3 | AAA Madera Branch | 221 N G St | (559) 662-4700 |
| 4 | Elite Home & Auto Insurance Agency | 1629 Howard Rd | (559) 675-8400 |
| 5 | Farmers Insurance - Israel Cortes | 1825 Howard Rd Ste B | (559) 230-1300 |
| 6 | Ray Joseph Rezendes Jr - State Farm Insurance Agent | 1613 Howard Rd | (559) 673-9176 |
| 7 | Farmers Insurance - Jeffrey Jackson Ins Agency Inc | 321 W Yosemite Ave Ste 107 | (559) 674-8889 |
| 8 | Goosehead Insurance - David W Wagner | 36914 Ave 12 Unit 16 | (559) 286-0460 |
| 9 | Value Insurance Agency | 901 W Yosemite Ave | (559) 673-0100 |
| 10 | Moncali Insurance | 719 N D St Suite D | (559) 662-8798 |
Cost-U-Less Insurance in Madera, California, works with homeowners, rental property owners, and property managers to secure landlord insurance policies. It helps protect properties against common rental risks, such as fire, storm damage, or liability claims. A typical policy through this agent can cover loss of rental income if a unit becomes uninhabitable. The agency also extends its coverage to clients in nearby communities like Chowchilla, within Madera County.
Local Medicare Agents - LMA Insurance provides landlord coverage tailored to property owners in Madera, California. Its service includes assistance in evaluating coverage options for rental properties and guiding clients through the policy selection process. Maintenance plans are not offered directly, but the agency helps landlords understand their liability and property protection needs. It services single-family homes, apartments, retail locations, and restaurants within the local area.
AAA Madera Branch serves Madera County and the surrounding region, providing landlord insurance solutions tailored to property owners who rent out residential or commercial units. This agency helps investors protect their real estate assets by evaluating coverage for potential risks such as property damage and liability claims. Understanding the specific insurance needs of local landlords, they assist in structuring policies that address common exposures in the area. Specific services include coverage for rental dwellings and guidance on liability protection for multi-unit properties, ensuring landlords can manage their investments with appropriate safeguards.
Elite Home & Auto Insurance Agency serves homeowners, property managers, and real estate investors in Madera, California, providing landlord insurance coverage tailored to protect rental properties and income streams. The agency helps clients secure policies that address property damage, liability concerns, and loss of rental revenue. Due to its local base, the company understands the specific insurance needs that emerge from California’s regional weather and housing market factors. The firm also extends its services to residents and landlords in nearby Chowchilla.
Renters seeking temporary landlord insurance often prefer a one-time policy, while landlords requiring ongoing protection typically opt for a scheduled annual plan. Farmers Insurance - Israel Cortes in Madera, CA provides landlord insurance agents who explain these differences, covering property damage and liability associated with rental properties. They assist local property owners in securing tailored coverage for residential or commercial units. Service in the Madera area operates on an as-needed basis for consultations and claims assistance, without requiring long-term commitments beyond the policy term chosen by the client.
Ray Joseph Rezendes Jr - State Farm Insurance Agent serves Madera, California, and the surrounding communities with landlord insurance policies. It handles coverage for rental properties, including dwelling protection, liability, and loss of rental income. The agency aims to align each policy with the specific risks the property faces. It uses a consultative approach that begins with a detailed review of the rental unit to identify potential exposures, then customizes the coverage accordingly to address each property's unique needs.
Farmers Insurance - Jeffrey Jackson Ins Agency Inc in Madera, CA provides landlord insurance tailored to protect rental properties and their income streams. The agency also offers general insurance services for homeowners and drivers seeking liability coverage. Landlords in the Central Valley face unique risks from seasonal flooding and agricultural fire threats, which standard policies often overlook. The agency helps property owners address these concerns by reviewing coverage gaps before a tenant turnover or during dry summer months when wildfire potential increases.
As spring rains and shifting soil test aging foundations across the Central Valley, Goosehead Insurance - David W Wagner in Madera helps landlords evaluate their property coverage needs. Their agency reviews each rental unit's unique risk profile, from older single-family homes to small multi-tenant buildings. They then compare policies for adequate dwelling replacement, liability protection, and loss-of-rent compensation. After discussing a client's portfolio size and acceptable deductible, the agent schedules a thorough walkthrough of every structure to verify condition and occupancy before finalizing the proposal.
Moncali Insurance provides landlord insurance policies for property owners in Madera, California, protecting rental investments from common liabilities and property damage. The agency offers specialized coverage add-ons, such as loss of rental income protection and coverage for vandalism or tenant-related incidents. These policies are tailored to fit various commercial property types, including small retail spaces and mixed-use buildings. Additionally, Moncali Insurance can serve sectors requiring coverage for offices, warehouses, and food service establishments.
What Does a a Landlord Insurance Agent in Madera Cost?
In California, landlord insurance premiums typically range from 25 to 35 percent more than standard homeowners insurance. For a single-family rental in Madera, annual premiums often fall between 800 and 1,500 dollars. Costs depend on property value, location, coverage limits, and deductible amounts. This is general information and not insurance advice.
About landlord insurance agents in Madera
Landlord insurance agents in Madera, California help property owners secure coverage for rental homes and multi-unit buildings. California law does not require landlord insurance, but most mortgage lenders and property management companies do. A local agent can explain how California tenant laws and fire risk areas affect your policy options.
Frequently Asked Questions
What does landlord insurance cover in Madera California?
Landlord insurance typically covers property damage, liability for tenant injuries, and loss of rental income. In California, policies may exclude earthquake or flood damage, so you might need separate coverage for those risks.
Is landlord insurance required by law in California?
California state law does not require landlord insurance. However, your mortgage lender or homeowners association may require it. Many landlords choose to carry it to protect against liability and property damage claims.
How do I choose a landlord insurance agent in Madera?
Look for an agent who specializes in rental properties and understands California-specific risks like wildfires and tenant liability laws. Ask about policy limits, deductibles, and whether the policy covers fair rental value or actual loss of income.
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