I can’t buy rental property insurance in California!

[Dereck San]

Recently moved out of my property in east Los Angeles and renting it. The property is 3 units, which has 1 single family home(sfh), and a 2 unit duplex.

I lived in the sfh which have home owner’s policy and the duplex has rental property policy.

My current policy with StateFarm won’t issue new policies. Recently tried to get quote for my sfh for rental property policy from a broker and received feedback below:

Broker quote:

Mercury – declined due to roof over 25 years with no updates.

Safeco – wants to package your home and rental property in order to quote

Modern – declined due to property located in an area where coverage is no available.

Allstate quote from Bamboo company:

Rental property policy quote

Bamboo sfh $2,297 $5,000 deductible

Current policy

StateFarm sfh $1,458.00 $2,000 deductible

StateFarm duplex $602.00 $2,000 deductible

I feel it’s time to replace sfh roof since it’s 25 years old. The duplex had leaks last season and was patched. I’d like to stay with a reputable company with a local agent.

Should I get my roof replaced ASAP then run another quote?

I’ll be DIYing my roof, will I need to show receipt or will an insurance send agent to confirm new roof?

Do I let Safeco package my together my rental property?

Is the quote from Bamboo too high?

What other companies should get quotes?

Please help 😭🙏