Northridge Agency Since 1973
Landlord insurance protects your rental building, your rental income, and you against tenant and guest injury claims. A standard homeowners policy usually does not cover a home you rent out. Panorama Insurance is an independent agency serving Los Angeles area property owners since 1973 from our Northridge office.
Landlord Policies
Use this form to submit service inquiries directly.
Why It Matters
A landlord policy, often called a dwelling fire or DP-3 policy, is built for a home you do not live in. It has three main parts. Limits and extras differ by insurer, so ask for the policy summary before you buy.
Usually not. A standard homeowners policy is written for a home you live in. If you rent the whole home to a tenant, the insurer can deny a claim or cancel the policy. Tell your insurer as soon as a home becomes a rental, and switch to a landlord policy.
We place landlord coverage for small and large rentals across California.
A landlord policy for the house, other structures such as a garage, loss of rent, and liability.
The HOA master policy usually covers the building. You insure the unit interior, your improvements, loss of rent, and liability. Check your HOA rules for required limits.
Duplexes, triplexes, and fourplexes can usually be written on one landlord policy, whether or not you live in one unit.
Buildings with five or more units usually need a commercial property and liability policy instead of a landlord policy. See commercial property insurance.
Premiums depend on the property and the coverage you choose. Policygenius listed an average of $1,728 a year for California landlord insurance in March 2024. Your price can be lower or higher.
What moves the price most:
Homes in high wildfire areas cost more to insure, and fewer insurers will write them.
Newer systems lower the risk of fire and water damage, which can lower the premium.
The number of units and how the property is used and managed.
Higher limits raise the premium. A higher deductible lowers it. Your claims history also counts.
Tell us the address, year built, and number of units. We return options from more than one insurer.
No state law requires it. Most mortgage lenders require property insurance as a condition of the loan, and many HOAs require coverage for units you rent out. Check your loan and HOA documents.
Some insurers have limited new property policies in California, especially in wildfire areas. As an independent agency, we check more than one insurer for your property.
If standard insurers decline the property, the California FAIR Plan offers basic fire coverage as a last resort. We can pair it with a separate policy for the gaps, such as liability and water damage. Read more about the California FAIR Plan.
If your insurer sends a non-renewal notice, contact us before the policy ends.
Your policy covers the building and your liability as the owner. Your tenant's renters insurance covers their belongings and their own liability. Many landlords require renters insurance in the lease. Ask your attorney how to word that clause.
Extra liability above your landlord policy limit. See umbrella insurance.
A separate policy for shaking damage to the rental. See earthquake insurance.
Pays for code upgrades the city requires when you repair or rebuild after a covered loss.
Covers more months of lost rent if repairs take a long time.
Panorama Insurance, License #0603099. Page updated October 12, 2026. Coverage, limits, and exclusions vary by insurer and change over time. This page is general information, not a quote or a policy.
Our Solutions
Strengthen your protection with coverage built for real-life risks. From property to liability and disaster protection, these options safeguard what matters most at home and beyond.
Protects your vehicle and finances from accidents, damage, theft, and liability.
Protects your home and belongings from damage, theft, or unexpected loss.
Adds higher liability protection beyond your standard insurance limits.
Client Testimonials
Our clients highlight the value of our insurance solutions, showing how we deliver dependable protection and service across many personal and business needs.
Share your experience with Panorama. Your story helps others see the value of our service and encourages them to trust us with their needs.
Consistent and Dependable
Tim and his staff are my auto insurance broker and have been for over 30 years. We have two sons and both were covered in our policy up until recently when my oldest moved to Italy. We have had quite a few claims having hit a deer and totaled the Sedona, my youngest drove off hillside with the Jeep taking out neighbors deck support posts and hitting house, also a fender bender with his 4 Runner. Tim has always been honest, straight forward, and timely with all our needs. We have had Mercury this entire time, he has kept us updated with any discounts(teacher) and changes that we should be aware off. He is and has been a great communicator, efficient, and friendly, a good man. I highly recommend him.
JV
Joe Vitti
Long-Term Client
Resolving Complex Issues
This insurance agency is unique in that they go beyond the normal expectations. They have that small company endeavor but with large company results. I was very pleased with the way they handled my problem.
I am a landlord and as such needed help with a tenant and their dog which is classified as a companion dog used for emotional distress, however our signed contract forbids animals. With the help of Panorama Insurance Agency I was able to resolve the issue to the satisfaction of both the tenants and myself. They did the research for me! I highly recommend this agency.
RH
Robert Hernandez
Property Owner
Responsive and Courteous
I had an excellent experience with Tim Wong and Panorama Insurance. They helped me find homeowner's insurance coverage for a new home in the hills of L.A. that's a wildfire zone. None of the carriers wanted to write the business, so Tim secured the coverage through the CA plan and also a Difference in Conditions policy to ensure I had adequate liability coverage. He and his team adjusted coverages to find savings for me as well. They were responsive and courteous at all times, and made the home purchase process easier and more enjoyable. Highly recommended!
AL
Andrew Lloyd
Grateful Homeowner
Dependable Insurance Agent
Brent @ Panorama is the most available and dependable insurance agent I've ever had. I use Brent for my family account, and also take care of all the communication for my parents account as well - even though we're the same kin, our two different households have totally different requirements in terms of insurance. Brent is always willing to dive into specifics about policies and present alternatives when our situation changes or when a better plan is available. It's great to know that both the insurances for my home and car are just taken care of meddling on my part.
RJ
Roshan J
Loyal Returning Client
Went Above Expectations
I recently had the pleasure of working with Panorama Insurance Agency, specifically Brent Garriepy, to insure my new home and switch our auto insurance policy. Brent went above expectations with explaining the policies, what they cover and what they do not cover. We quickly found a policy that worked well for our new investment and it was very competitively priced. The choice was clear for my family. I highly recommend Panorama Insurance Agency. Give them a call and see what they can do for your family!
PS
Paul Schwappach
Home and Auto Client
Saved Us over a Hundred Dollars a Month!
Brent saved us over a hundred dollars a MONTH! across all our policies (auto/home/earthquake/umbrella) and even got us better coverages across the board. Wished I’d contacted Brent earlier in my insurance quote process. I did the internet search and got spammed with useless quotes as well as talked to half a dozen other highly rated agents. None could even come close to the level of service that Brent provided. Stop your internet search now and call Brent.
LT
Leland Treebs
Value-Seeking Client
Quick Help
Understand how landlord insurance works, what it covers, and how it protects your rental property from financial loss, legal issues, and unexpected damage across every stage of ownership.
Usually not. Homeowners policies are written for homes you live in. If you rent the whole home to a tenant, you need a landlord policy, or a claim can be denied.
No state law requires it. Most mortgage lenders require property insurance as a loan condition, and many HOAs require coverage for condo units you rent out.
It depends on location, wildfire risk, property age, number of units, and coverage. Policygenius listed an average of $1,728 a year in March 2024. We can quote your property.
No. Your policy covers the building and your own property used for the rental. Tenants need renters insurance for their belongings and their own liability.
Most landlord policies can include loss of rent, also called fair rental value. It pays rent you lose while covered damage makes the unit unlivable, up to your limit.
No. Earthquake damage needs a separate policy. See our earthquake insurance page for your options.
It depends on the insurer. Some policies cover tenant vandalism or theft, and some limit or exclude it. We show you how each option handles tenant damage before you choose.
Contact us before the policy ends. We check other insurers for your property. If standard insurers decline it, the California FAIR Plan offers basic fire coverage, and we can add a separate policy for the gaps.
Need Assistance
Whether you need coverage guidance, claims support, or renewal help, our team is ready to assist. Protect your property and secure your rental income now.
From home and auto to business and more, we design insurance strategies that protect your assets, income, and future plans with one coordinated approach.
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