California DP-3 landlord checks
- The quote should match the actual rental use, not a generic homeowner profile.
- Loss-of-rent or fair-rental-value wording should be visible on the quote.
- The landlord or entity name should be consistent across quote documents.
- For California wildfire exposure, document roof material, brush clearance, access roads, and defensible-space work.
- Earthquake coverage in California is usually a separate policy or endorsement path, not a default HO-3 assumption.
Rental dwelling checkpoints
| Question | Why it matters |
|---|---|
| Who is the named insured? | LLC, trust, or individual ownership should match the quote and deed situation. |
| Is the tenant long-term or short-term? | Rental duration can move the policy into a different underwriting lane. |
| How is vandalism handled? | Vacancy and tenant-caused damage wording should be checked. |
| Does liability fit the exposure? | Premises hazards and lease terms can affect the needed limit. |
Practical note
A California landlord quote should be reviewed beside the lease status, ownership name, and recent property photos.