Honeowner insurance versus landlord insurance

[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!

[Rod Hanks]

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.