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HomeLandlord Insurance AgentsCalifornia › Rancho Santa Margarita

Find Landlord Insurance Agents Near You in Rancho Santa Margarita, CA

Browse landlord insurance agents serving Rancho Santa Margarita, California. Updated 2026-07-14.

The top-rated landlord insurance agent in Rancho Santa Margarita, California is Lori Garabedian - State Farm Insurance Agent, rated 5.0 stars across 120 reviews. Other highly rated options include David C. Duncan Insurance Services, Inc., Farmers Insurance - Jerry Farcone, Rick Sicro - State Farm Insurance Agent. This directory lists 15 landlord insurance agents serving Rancho Santa Margarita.

Showing 15 landlord insurance agents in Rancho Santa Margarita, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Lori Garabedian - State Farm Insurance Agent30052 Aventura # C(949) 858-4400
2David C. Duncan Insurance Services, Inc.30376 Esperanza Suite 200(949) 836-8116
3Farmers Insurance - Jerry Farcone30201 Aventura Ste 201(949) 709-7860
4Rick Sicro - State Farm Insurance Agent22362 Gilberto Ste 240(949) 240-9300
5Mashco Insurance Solutions Inc31 La Cascada(949) 838-4233
6Adam Bays - State Farm Insurance Agent22521 Avenida Empresa Ste 105(949) 305-8432
7George Menclewicz: Allstate Insurance22342 Avenida Empresa Ste 130(949) 459-2795
8Shorr Agency Inc30211 Avenida de las Banderas(888) 737-6200
9Julie's Insurance Services30211 Avenida de las Banderas # 200(949) 979-6771
10Farmers Insurance - Renee Connell30211 Avenida de las Banderas # 200(949) 888-6610
LG
30052 Aventura # C
Lori Garabedian - State Farm Insurance Agent
Landlord Insurance Agent · Rancho Santa Margarita, CA

Lori Garabedian - State Farm Insurance Agent serves Rancho Santa Margarita and the surrounding Orange County area with a focus on landlord insurance coverage. This agency helps property owners protect their rental investments by offering policies tailored for residential and commercial landlords. Services typically include coverage for physical damage to the rental structure, liability protection for the property owner, and loss of rental income coverage. The agency also assists landlords in securing policies that cover tenant-related risks and property maintenance disputes.

DC
30376 Esperanza Suite 200
David C. Duncan Insurance Services, Inc.
Landlord Insurance Agent · Rancho Santa Margarita, CA

David C. Duncan Insurance Services, Inc. in Rancho Santa Margarita offers a full range of landlord insurance policies designed to protect rental investments. It assists property owners with coverage options and helps them understand risk management strategies for their rental assets. The agency provides service plans that include policy reviews and claims support to maintain proper coverage over time. It works with a variety of property types, including single-family homes, multi-unit apartments, retail spaces, and restaurants.

FI
30201 Aventura Ste 201
Farmers Insurance - Jerry Farcone
Landlord Insurance Agent · Rancho Santa Margarita, CA

Homeowners, property managers, and small businesses in Rancho Santa Margarita can turn to Farmers Insurance - Jerry Farcone for landlord insurance coverage. This agency offers policies tailored to protect rental properties from common liabilities and property damage. They help clients assess their coverage needs for single-family homes or multi-unit buildings. Jerry Farcone’s office also serves nearby communities like Mission Viejo and the greater Orange County area, making it a convenient resource for local landlords seeking reliable insurance guidance.

RS
22362 Gilberto Ste 240
Rick Sicro - State Farm Insurance Agent
Landlord Insurance Agent · Rancho Santa Margarita, CA

Rick Sicro - State Farm Insurance Agent serves the landlord insurance needs of Rancho Santa Margarita and its surrounding Orange County communities. The business handles policies for residential rental properties, including single-family homes and small multifamily units. It helps property owners protect their investments with standard landlord insurance coverages. To manage a typical job, the agent first reviews the client's property information and insurance goals. From there, a tailored policy is structured to address the specific risks associated with renting out the home.

MI
31 La Cascada
Mashco Insurance Solutions Inc
Landlord Insurance Agent · Rancho Santa Margarita, CA

Mashco Insurance Solutions Inc in Rancho Santa Margarita, CA distinguishes between one-time landlord insurance policies and recurring service options, each tailored to different property management needs. Their coverage typically protects rental dwellings against common perils such as property damage, liability claims, and loss of rental income. As a landlord insurance agent, the company serves both short-term and long-term rental property owners in the local area. Service arrangements for Mashco Insurance Solutions Inc run on a scheduled basis, with options for as-needed adjustments to policies.

AB
22521 Avenida Empresa Ste 105
Adam Bays - State Farm Insurance Agent
Landlord Insurance Agent · Rancho Santa Margarita, CA

Many property owners in Rancho Santa Margarita face challenges during the seasonal wildfire or rain periods, and Adam Bays - State Farm Insurance Agent provides coverage tailored to protect rental investments from such localized risks. The agency focuses on matching landlords with policies that address liability and property damage concerns common to this area. Services include reviewing current lease agreements to ensure adequate protection levels. An initial consultation typically involves a walk-through of the rental property to assess its condition and identify potential coverage needs.

GM
22342 Avenida Empresa Ste 130
George Menclewicz: Allstate Insurance
Landlord Insurance Agent · Rancho Santa Margarita, CA

George Menclewicz: Allstate Insurance provides specialty landlord insurance services for property owners in Rancho Santa Margarita, California. The agency works with rental property investors online or in person to develop coverage packages including dwelling protection and liability insurance for residential properties. It also addresses common landlord risks like tenant damage, loss of rental income, and unforeseen liability claims occurring on the property. As fire season intensifies throughout Southern California, the agency helps landlords review and adjust their policy limits to ensure adequate rebuilding coverage for their rental homes.

SA
30211 Avenida de las Banderas
Shorr Agency Inc
Landlord Insurance Agent · Rancho Santa Margarita, CA

Shorr Agency Inc provides residential landlord insurance services in Rancho Santa Margarita, California, securing coverage for single-family rental properties and duplexes. The firm also handles commercial landlord policies for small apartment buildings in the surrounding Orange County area. Their work involves tailoring policies to meet regional property risks and local regulatory requirements. Clients can expect clear procedures for policy adjustments between regular visits, ensuring consistent follow-up as tenant situations or property conditions change.

JS
30211 Avenida de las Banderas # 200
Julie's Insurance Services
Landlord Insurance Agent · Rancho Santa Margarita, CA

Julie's Insurance Services in Rancho Santa Margarita, CA, is known for providing landlord insurance policies to local property owners. The agency helps clients secure coverage for rental homes and small multifamily units in the area. Its service range includes protection for property damage, liability claims, and loss of rental income. As a specialty add-on, the agency can arrange coverage for landlord furnishings or appliances left in the unit.

FI
30211 Avenida de las Banderas # 200
Farmers Insurance - Renee Connell
Landlord Insurance Agent · Rancho Santa Margarita, CA
FI
30162 Tomas Ste 205
Farmers Insurance - Cameron Watson
Landlord Insurance Agent · Rancho Santa Margarita, CA
(800) 922-6526
agents.farmers.com/ca/rancho-santa-margarita/cameron-watson
TO
22342 Avenida Empresa #255
totalinsuranceaccess
Landlord Insurance Agent · Rancho Santa Margarita, CA
+234 714 990 4362
totalinsuranceaccess.com
PR
30211 Avenida de las Banderas #200
Phillip Robinson Insurance Agency, Inc.
Landlord Insurance Agent · Rancho Santa Margarita, CA
(949) 525-8072
OI
22431 Antonio Pkwy
Ostlund Insurance
Landlord Insurance Agent · Rancho Santa Margarita, CA
(949) 888-4444
EI
23142 Arroyo Vista
Edson Insurance Services Inc.
Landlord Insurance Agent · Rancho Santa Margarita, CA
(800) 696-7544

What Does a a Landlord Insurance Agent in Rancho Santa Margarita Cost?

Landlord insurance in California typically costs 15 to 25 percent more than standard homeowners insurance. For a single-family rental in Rancho Santa Margarita, annual premiums often range from 800 to 1,500 dollars, depending on property value, location, and coverage limits. Factors like proximity to fire-prone areas or the age of the property can increase rates. This is general information, not insurance advice.

About landlord insurance agents in Rancho Santa Margarita

A landlord insurance agent in Rancho Santa Margarita helps property owners protect their investments with policies tailored to California regulations. Local agents understand the specific risks of Orange County rentals, from wildfire exposure to earthquake zones. They can guide you through California landlord-tenant laws that affect coverage needs, such as liability for habitability issues.

Frequently Asked Questions

What does landlord insurance cover in Rancho Santa Margarita?

Landlord insurance typically covers property damage, liability protection, and loss of rental income. In California, policies often exclude earthquake and flood damage, so separate coverage may be needed. Your agent can help you add endorsements for local risks like wildfire or vandalism.

Is landlord insurance required by California law?

California law does not require landlord insurance, but most mortgage lenders mandate it. Without coverage, you could be personally liable for tenant injuries or property damage. An agent can explain how California civil code sections on landlord duties affect your policy needs.

How does a landlord insurance agent in Rancho Santa Margarita help with claims?

An agent assists with filing claims, documenting losses, and communicating with the insurance company. They understand California claim deadlines, such as the one-year statute of limitations for property damage lawsuits. This local knowledge helps ensure you meet all requirements for a successful claim.

Landlord Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each landlord insurance agent's credentials and current standing with your state Department of Insurance.