CSE Insurance offers the broadest Landlord Insurance coverage of any carrier in the market. We’ve innovated our product with confidence and extensive protection in mind. Not only is it designed specifically for a landlord’s real needs, it’s meant to help you plan for unexpected occurrences – something that landlords know all too well.
Our product is bundled with discounts and a la carte flexibility, so you can rest assured that you’re getting the most affordable and comprehensive coverage in a way that makes sense for you.
What does CSE’s Landlord Insurance include?
Covers damage to your rental property that you own or rent to others from fire, lightning, water, wind, or other similar perils.
Covers your personal property in the rental unit in the event of fire, lightning, or other covered loss.
Fair Rental Value
Pays for the loss of rent in case the rental property is deemed unlivable due to a covered loss.
Ordinance or Law
Covers the cost incurred to rebuild your house to current building codes after a covered loss.
Covers the property manager as an additional insured, if eligible.
Optional Enhancements to Your Policy
CSE Landlord Insurance offers three different coverage levels that you can select from based on your needs – Basic, Plus, and Premier.
Here are additional coverages that are available as a part of the Plus or Premier package or can be bought a la carte.
Premises Liability Coverage
Covers up to $300,000* in case of any bodily injury or property damage caused to others from the use of the policyholder’s rental property.
Service Line Coverage
Covers the major service lines connecting to your home, such as gas line, power line, sewer line, and water line, against a service line failure.
Loss Assessment Coverage
Pays your share of any loss assessment charged against them by the association of property owners.
Extended Replacement Cost
Provides additional coverage up to 150% of the dwelling’s policy limits to rebuild the policyholder’s rental unit in the event of a covered loss.
Equipment Breakdown Coverage
Covers your major household appliances against an unexpected mechanical or electrical breakdown not caused by normal wear and tear or corrosion.
Eviction Expense Reimbursement Coverage – CSE Exclusive!
Covers the expenses incurred by you due to an eviction action pertaining to your tenant.
Earthquake Coverage — for California
Earthquakes are one of California property owners’ most costly risks and are not covered under a typical Landlord policy. You can add this earthquake coverage to protect their property and their peace of mind. Earthquake insurance provides coverage for their damaged structure, as well as loss of personal possessions and loss assessments. Coverage for swimming pools is also available, and a multi-policy discount can apply.
Three coverage options are available to choose from so you can tailor a policy that meets your needs AND your budget. Deductibles are as low as 10%!
Save up to 8% if your rental property is managed by a professional.
Save up to 9% for burglar, fire, and water detection devices.
Save up to 10% on your Landlord policy when you insure your Auto, Home, additional Landlord, Earthquake, or Umbrella with CSE.
Save up to 8% if your tenants have valid Renters Insurance.
Our priority is to give you the highest feeling of security when it comes to your property. We achieve this through our strong legacy and reputation for prompt, fair, and hassle-free claims payments.
We take pride in helping you plan for the unexpected. It’s really that simple for us.