A Special Landlord’s Insurance Policy for Your Rental
Single-family home, duplex, 2-on-1, tri-plex, four-plex, condo, townhouse or an apartment building. If you are renting it out, you need special insurance – and a standard homeowners insurance policy just won’t cut it. Save money with a landlord insurance policy shopped with multiple California carriers.
Core Coverages
- Dwelling Protection
- Personal Property
- Premises Liability
- Guest Medical
- Additional Living Expenses
Additional Coverage Options
- Extended Replacement Cost
- Building Ordinance & Law Coverage
- Personal Injury Coverage
- Loss Assessment Coverage
- Extended Liability Coverage
Coverages vary from insurance company to insurance company. We help you through the maze of getting the best value in condominium insurance protection.
Killer Rates,
Shopped Smartly
When choosing an insurance carrier, having choices is a good thing.
Our savings specialists do the legwork for you to shop coverages and rates.
Enjoy competitive rates shopped professionally by your personal agent.
Your Personal Insurance Guide
Insurance rating, coverages and policies can leave anyone scratching their head.
You don't have to go it alone. We're here to help make it easy.
The right coverage at the right price is our only destination.
Do You Have Enough Coverage to Rebuild Your Rental Property?
We take this dwelling insurance issue to heart, and work with you to explain your options, so you understand exactly what you have. And we do our homework to try to make sure that you have enough coverage, always helping you to find the fine line of not being under or over insured.
What About Earthquake, Flood, or Umbrella Insurance?
Both earthquake and flood are excluded causes of loss under all home insurance policies. You will need to insure these exposures with a separate insurance policy that specializes in protecting you from these catastrophic events. We represent multiple insurance carriers that specialize in earthquake and flood insurance.
And yes, McKenna Insurance Services also offers umbrella / excess liability insurance policies to guard you from the financial damages that exceed the liability protection you have under your auto / homeowners insurance policy.
Honestly, you never know what is going to happen, and you’re better safe than sorry purchasing these valuable insurance products. This protection can mean the difference between having a bad day, and having to go bankrupt.
Difficulties in Getting Coverage for Your Rental
The biggest difficulty in obtaining rental property insurance is that the majority of insurance companies require that you insure your primary home with them in order to get a Landlord’s Rental Property Policy.
McKenna Insurance Services can help. Not only do we have multiple insurance carriers that will insure your rental without insuring your primary dwelling, but we usually can get you better coverage for less money than you could get elsewhere.
Why Can’t I Just Get A Regular Homeowners Policy?
Right off-the-bat, the answer is that insurance company underwriting guidelines don’t allow it – and for good reason. The standard homeowners insurance policy was designed to cover the risks of a home owner that resides in the insured property.
One of the biggest reasons to get a Dwelling Fire Policy (Landlord’s) is that there is no liability coverage under a standard homeowners insurance policy when the dwelling is rented out on a full time basis. Ouch – this difference alone can create some huge liability risks that we’re sure nobody would want to knowingly retain.
We 
Our Happy Customers
Our Happy Customers
“Wonderful experience! Incredible savings!”
Fast and easy!!! Thanks for all of your help.
You’ve earned all of my future business. Thanks again.— Monte Wright, Alpine CA
“Monica does everything right.”
Monica does everything right. Quick and thorough communication. Friendly can-do attitude. I am always completely satisfied with any interaction or insurance needs request. Thank you.
— Cassi Patterson, Davis CA
“I love McKenna Insurance Services”
I love McKenna Insurance Services because they truly care about their customers. My experience thus far has been phenomenal. They go out of their way to make sure you’re well taken care of. Thank you Monica for always accommodating me. And also being so helpful. I can’t thank you enough.
— Shereen Abdin, Bonita CA
“Always helpful”
Always helpful; will point out ways to save.
— James Nason, Bonita CA
“Very pleased!!!”
Monica has always taken care of what I needed in a timely manner. Very pleased!!!
— Shaun Simpson, Menlo Park CA
“Wonderful communication”
Wonderful communication, easy to handle situations or changes, friendly and helpful.
— Randy Szwast, Temecula CA
“Your customer service is fantastic.”
Your customer service is fantastic. You are always available to answer any questions at any time.
— Neal Pataky, San Diego CA
“Professionalism, outstanding customer service, and very competitive rates.”
You can count on my loyalty as as customer, and that's because of your professionalism, outstanding customer service, and very competitive rates. You can count on getting all my insurance business for the foreseeable future!
— Ricardo Lazzari, Chula Vista CA
“Top notch.”
You were the only company that made me feel like you wanted my business. You followed through on everything you said you would in writing in a timely and professional manner. I have found your service to be top notch.
— Steven Maxwell, El Cajon CA
“Extremely helpful and polite.”
Monica at Mercury is always extremely helpful and polite. I've been with mercury for years now and I couldn't imagine being with another company.
— Annika Racadio, San Diego CA
“AWESOME.”
I was very pleased with your professionalism. I greatly appreciated the fact you were able to acomidate our insurance needs so quickly and efficiently. Thank you for allowing my children to play in the office while we were signing papers, that was AWESOME.
— Victor Barragan, Chula Vista CA
“Amazingly friendly and helpful.”
Absolutely splendid service always amazingly friendly and helpful. I’m always happy to come in because I know I will get great service and my problems solve. 🙂
— Cecilio Borboa, San Diego CA
“Willing to help take care of anything that comes up.”
Over the years I've had to call to get a question answered or solve a problem with my auto loan company. Both times I've contacted them, they responded promptly and given me the information I needed and/or took care of the problem with the loan company. That's what you want in a provider, someone that's willing to help take care of anything that comes up. That's what they do.
— Michael Power, San Diego CA
“Best solutions at optimal prices.”
Monica’s been my insurance broker for over 10 years and always finds the best solutions at optimal prices. Not to mention she’s incredibly responsive and a pleasure to work with. Thank you Monica!
— Stephen Higgins, Petaluma CA
“Fantastic”
Easy transfer from one car to the next. The service that was provided to me during this transfer was fantastic and I left without having any questions I will recommend McKenna Insurance to anyone who needs insurance.
— Joseph Baca, Chula Vista CA
“I have been with McKenna Insurance for many, many years”
I have been with McKenna Insurance for many, many years and recommend them highly. Monica has always been very friendly and courteous but when I lost my husband at the end of last year she went above and beyond her normal capacity to help me navigate through a very overwhelming and devastating time. I will always be grateful for that.
— Alma Custudio Climo, San Diego CA
“Best deal on insurance coverage.”
Monica has always been very helpful in assisting us with finding the best deal on insurance coverage. You could hear her smile right through the phone and she is always available to help and answer questions. I look forward to have her continue to take care of our insurance needs.
— David Stelmachowski, Escondido CA
