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Updated almost 3 years ago on . Most recent reply

James Kim's profile image
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James Kim
  • Investor
  • from Los Angeles
  • Member since Oct 31, 2021
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James Kim's profile image
James Kim's profile image
James Kim
  • Investor
  • from Los Angeles
  • Member since Oct 31, 2021
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James Kim
  • Investor
  • Los Angeles
21
Votes |
79
Posts
Insurance

Honeowner insurance versus landlord insurance

James Kim
  • Investor
  • Los Angeles
Posted

Hi,

Is landlord insurance always more expensive than homeowner insurance? 

I have a home in California and investment property in Dallas and I'm noticing this difference. Maybe its a state by state difference? But my insurance for investment property is more than my home in CA. Just curious is its normal that homeowners insurance is always cheaper than landlord insurance.

Thanks!

  • James Kim
    • Dallas, Texas
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    Rod Hanks's profile image
    Rod Hanks's profile image
    Rod Hanks
    • Insurance Agent
    • from Dallas, TX
    • Member since Nov 8, 2013
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    Rod Hanks's profile image
    Rod Hanks's profile image
    Rod Hanks
    • Insurance Agent
    • from Dallas, TX
    • Member since Nov 8, 2013
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    Rod Hanks
    • Insurance Agent
    • Dallas, TX
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    Rod Hanks
    • Insurance Agent
    • Dallas, TX
    Replied
    Quote from @James Kim:

    Hi,

    Is landlord insurance always more expensive than homeowner insurance? 

    I have a home in California and investment property in Dallas and I'm noticing this difference. Maybe its a state by state difference? But my insurance for investment property is more than my home in CA. Just curious is its normal that homeowners insurance is always cheaper than landlord insurance.

    Thanks!

    DFW has one of the highest property insurance rates in the country due to the hail storms. So not a fair comparison. 
    • Rod Hanks
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    Rod Hanks Insurance
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