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Directory of landlord insurance agents in Carmel, California. Verify credentials with the state department of insurance before hiring.
2 agents listed
Updated May 2026
Carmel, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of California before hiring.
Showing 2 landlord insurance agents in Carmel, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Monroe-Kelly Insurance Services, Inc.
26465 Carmel Rancho Blvd #1A, Carmel, CA 93923
(831) 372-4511
monroe-kellyinsurance.com
Michael B. Kelly Insurance Services, Inc.
26465 Carmel Rancho Blvd # 1, Carmel, CA 93923
(831) 624-6065
mkisi.com
A landlord insurance agent in Carmel, California helps property owners protect their rental investments. California law requires landlords to maintain certain liability coverages, and a local agent can tailor a policy to meet these requirements. Carmel agents understand the unique risks of coastal properties and the local rental market.
What Does a Landlord Insurance Agent in Carmel Cost?
In California, landlord insurance premiums typically range from 25 to 50 percent more than standard homeowners insurance. For a single-family rental, annual costs can be between 800 and 2,500 dollars, depending on location, property value, and coverage limits. In Carmel, coastal risks may increase premiums. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does landlord insurance cover in California?
Landlord insurance typically covers property damage, liability protection, and loss of rental income. In California, policies often include coverage for fire, earthquake, and water damage. It does not cover tenant personal property.
Is landlord insurance required by law in Carmel?
California law does not require landlord insurance, but most mortgage lenders do require it. Without it, you risk financial loss from tenant claims or property damage. It is strongly recommended for all rental property owners.
How do I choose a landlord insurance agent in Carmel?
Look for an agent with experience in California rental property insurance and knowledge of local risks like coastal weather. Ask about coverage for earthquake and flood, which are common in the area. Compare quotes from multiple agents to find suitable terms.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of California.