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Real Estate Investment Property Insurance Program

Cal-Nevada Insurance Agency serves property investors in San Francisco and throughout the northern California, Arizona and Las Vegas, Nevada areas with risk management advice and insurance targeted to their specific risks


We offer a full line of property and liability coverages for investment property owners. Our landlords insurance includes coverage for property damage for your buildings and owned contents; rental income coverage; and liability insurance that helps with legal fees, settlements and damage awards in claims where you are found responsible for someone else’s loss.


Our investment property insurance can cover:
  • Single-home and multi-dwelling landlords
  • Vacation properties
  • Condominiums
  • Townhouses
  • Single-family homes of all sizes and styles
If you own a rental property, we can insure it. If you are a real estate magnate, a mini-tycoon or a “flipper,” Cal-Nevada can meet your needs.


Our property insurance covers major accidental damage by tenants, fire, storms and other non-wear-and-tear events, both natural and manmade. You should also have your flood and earthquake exposure evaluated by one of our advisors and insured appropriately. For other water damage, you will need sewage and drain backup coverage.

Separate structures, such as detached garages, sheds, guesthouses, pools, etc. can also be insured under landlord insurance.

RE Investors Property Liability Association
Cal-Nevada Insurance Agency Offers Property Inspections, Replacement Cost Evaluations Available
To determine the amount of insurance needed on a property, we work with Property & Casualty Surveys, Inc. (PCS) for property inspections and replacement cost evaluations for Commercial Lines customers throughout California and Northern Nevada. PCS offers a full range of services including flat rated and hourly inspections, as well as amplified and abbreviated reports. PCS’ professional telephone unit provides both Phone Surveys and Premium Audits on small- to medium-sized building contractors – a fast and economical way to stay on top of your general and artisan contractor business and to maximize profitability

Your liability exposures primarily include injuries, but we will talk to you about the value of an umbrella insurance policy for landlords, especially if you have high personal net worth or the property you are renting comes with a pool or some other high-hazard feature.

We can also insure your rental income should that cease due to a covered cause of loss, and we can find coverage that provides legal defense fees in case you get sued related to your investment property.

Talk to Cal-Nevada about your investment property risks and insurance.

For further information or to schedule a meeting with an advisor, contact us at (866) 670-5948, or e-mail us at