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Insurance by Need

Protecting Multiple Properties

Owning more than one property multiplies your exposure and often your requirements — a second home, rental, or vacation place each carries its own risks, and lenders on each will require proof of coverage. Rentals in particular need landlord policies rather than standard homeowners coverage, and California perils like wildfire and earthquake can differ property to property.

Coverage to Consider Schedule Consultation

Who this coverage is for

This is for owners of second homes, vacation properties, or rental units beyond their primary residence. It's also for anyone building a small real estate portfolio who wants each property properly and consistently covered.

What it can help protect

Multiple properties each bring risks a single policy wasn't built for:

  • Each structure — rebuild costs for every home or building you own, as each lender requires.
  • Rental exposure — landlord coverage for tenant-occupied properties, which standard homeowners policies exclude.
  • Liability — injuries on any of your properties, potentially bundled under one umbrella.
  • Lost rental income — replacing rent if a covered event makes a unit unlivable.
  • Location-specific perils — wildfire, flood, and earthquake risk that varies by property in California.

What to gather

A property list, copies of current policies, and a quick note on who occupies each property give Sterling Lloyd enough to start organizing the next step.

Coverages to consider

The coverages most relevant to Protecting Multiple Properties, tiered by priority. Start a quote on any one, or have an advisor review the whole stack.

Core

Landlord / Rental Property Insurance

Covers rental and investment properties you own.

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Core

Homeowners Insurance

Your primary residence.

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Recommended

Personal Umbrella Insurance

Coordinated liability across all properties.

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Situational

Flood Insurance

For properties in flood-prone areas.

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Have an advisor review the whole stack →

Common Questions