Property Insurance in California
Home, Condo, Renters and Rental Property
We Can Insure Your Property The Same Day
We’ve Got Your California
Property Insurance Needs Covered
The California Property Insurance Market is more challenging to navigate now than ever. However, we have solutions for you. We have carriers who can write same-day coverage for your California property. Whether you’re a renter, a first-time home buyer, have a rental or investment property, a seasonal home, or a condo, we have options for you. Located in a high-risk area, or had a claim in the past? We have options other than the FAIR plan. Do you have a high-value property? We have solutions from A-rated carriers.
Had claims or been dropped? If you have claims on your record or your insurance company dropped or non-renewed you, we can still find you a policy.
Find your property type below for coverage details and starting prices. Prices vary.
California Renters Insurance
Renters insurance is an affordable way to cover your personal belongings and protect yourself from unexpected damages and injuries. Most California landlords require you to have a basic policy with at least $100K in liability coverage.
Renters insurance starts as low as $11 a month, and we’ll even kick in an extra discount if you already have (or get) car insurance from MIS Insurance.
California Condo Insurance
Many carriers have stopped offering coverage for condos in California in recent years, but we work with high-rated carriers who can cover owner-occupied and tenant-occupied condo risks. High liability limits and flexible options on coverage combinations are available from Lloyd’s of London companies and other A-rated providers.
Condo insurance starts as low as $79 a month. See condo insurance
California Investment Property Insurance
We offer specialized insurance solutions for investment properties, including residential dwellings and commercial buildings. Our coverage is designed to protect landlords and property owners from property damage, liability exposure, and loss of rental income—helping safeguard your investment and long-term returns.
Landlord and investment property insurance starts as low as $75 a month, from 1 to 4 unit rentals to commercial buildings up to 60 units. See landlord and investment property insurance
California Short-Term Rental Insurance
Renting your place on Airbnb or Vrbo? Many homeowners and landlord policies won’t cover paying guests. A short-term rental policy protects your property, your furnishings and your liability.
Short-term rental insurance starts as low as $85 a month. See short-term rental insurance
Home Insurance is More Important Than Ever in California
Your home is more than just a building—it’s where life happens. While you do everything you can to protect it, the right home insurance policy adds a critical layer of security by safeguarding your property and personal belongings, helping protect one of your most valuable investments.
Homeowners insurance starts as low as $69 a month. Brush-area homes and homes with claims start as low as $175 a month. See homeowners insurance
Critical Safeguard
For both homeowners and real estate investors in California, risks and rebuilding costs continue to rise. The right coverage helps protect your property, income, and long-term financial security.
Coverage for fire and other common perils
shields you from costly repairs or total loss.
Protects you financially if someone is injured
on your property and you’re held legally
responsible.
Helps cover property damage and potential
loss of rental income after a covered claim.
Most mortgages require insurance, and
adequate coverage helps ensure compliance
while protecting your equity.
Saving Money on Your Policy
With property insurance from MIS Insurance, you get more choices and better coverage at a price that fits your needs. We offer discounts for various safety devices and systems, and you can save even more when you bundle your home insurance policy with another policy for our Multi-Policy Discount.
Which Property Policy
Do You Need?
- You own the house you live in: homeowners insurance, as low as $69 a month. Homes in brush areas and homes with claims, as low as $175 a month.
- You own a condo: condo insurance, as low as $79 a month.
- You rent the place you live in: renters insurance, as low as $11 a month.
- You rent a property to long-term tenants: landlord and investment property insurance, as low as $75 a month, from 1 to 4 units up to commercial buildings of 60 units.
- You rent to nightly or weekly guests: short-term rental insurance, as low as $85 a month.
Prices vary by property, location and coverage. Not sure which one fits? Call us and we will sort it out in a few minutes.
Property Insurance
Questions and Answers
What types of property do you insure?
Homes, condos, rentals, investment properties up to 60 units, short-term rentals and renters’ belongings.
I’ve had claims or my insurance company dropped me. Can you still insure me?
Yes. Even if you have had claims or your insurer dropped or non-renewed you, we can still find you a policy.
Can you insure a home in a brush area?
Yes. We work with carriers that insure brush-area homes, starting as low as $175 a month. Prices vary by home and location.
Do I have to go on the California FAIR Plan?
Not always. We have options other than the FAIR Plan, and we check those first.
Does property insurance cover earthquakes or floods?
No. Those need separate policies.
How fast can I get covered?
Most policies can start the same day.
MIS Insurance provides property insurance in all cities in California including: Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Riverside, Stockton, Chula Vista, Irvine, Fremont, San Bernardino, Modesto, Fontana, Oxnard, Moreno Valley, Huntington Beach, Glendale, Santa Clarita, Oceanside, Garden Grove, Rancho Cucamonga, Santa Rosa, Ontario, Elk Grove