Insurance for Triplex owned by LLC in Bakersfield

[Michael Cardenas]

I'm having a hard time getting coverage for my Triplex. It's technically considered a Single Family Residence with an ADU and Junior ADU.

The SFH is completely renovated and leased to a tenant. The ADU and Junior ADU are currently under renovations.

Bakersfield, CA

Total square-footage just under 3000.

Unit A: 4 bed 2 Bath

Unit B: 2 bed 1 Bath

Unit C: 1 bed 1 Bath

I currently occupy Unit C but would like a landlord policy so that I can rent Unit C after finishing my rehab on Units B and C.

Any help would be greatly appreciated!

[John Mocker]

Michael, I'm not in CA but I've had past issues with properties with multiple buildings. See if State Farm will insure it without Unit B. For that get a Renovation builders risk or Vacant dwelling with renovation. Make sure State Farm has all the Liability covered and then you only need the coverage on Bldg B until you complete the work. The separate policy for Bldg B may have a minimum cost of 3 mos.