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HomeLandlord Insurance AgentsCalifornia › San Luis Obispo

Find Landlord Insurance Agents Near You in San Luis Obispo, CA

Browse landlord insurance agents serving San Luis Obispo, California. Updated 2026-07-14.

The top-rated landlord insurance agent in San Luis Obispo, California is Mike Smith - State Farm Insurance Agent, rated 5.0 stars across 170 reviews. Other highly rated options include Susan Rodriguez - State Farm Insurance Agent, Farmers Insurance - Jennifer White, Todd Thomas - State Farm Insurance Agent. This directory lists 20 landlord insurance agents serving San Luis Obispo.

Showing 20 landlord insurance agents in San Luis Obispo, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Mike Smith - State Farm Insurance Agent1608 Johnson Ave(805) 546-8393
2Susan Rodriguez - State Farm Insurance Agent799 Foothill Blvd D(805) 783-7050
3Farmers Insurance - Jennifer White1228 Broad St(805) 548-8530
4Todd Thomas - State Farm Insurance Agent1238 Marsh St(805) 543-0650
5Polk Insurance Agency1443 Marsh St(805) 544-6454
6SLO Insurance Services1494 Mill St(805) 543-7564
7Minton Insurance1042 Pacific St # E(805) 546-8113
8McGee Insurance Agency2000 Broad St(805) 543-8833
9Morris & Garritano Insurance1122 Laurel Ln(805) 543-6887
10Meredith Insurance Center1303 Higuera St(805) 548-8672
MS
1608 Johnson Ave
Mike Smith - State Farm Insurance Agent
Landlord Insurance Agent · San Luis Obispo, CA

Mike Smith - State Farm Insurance Agent serves the San Luis Obispo, California area as a landlord insurance agent. This agency provides policies that help property owners protect rental homes from common risks. Coverage options typically include dwelling protection, liability coverage, and loss of rental income. Local agents understand the specific challenges of maintaining rental properties in this community. They work with landlords to secure insurance that addresses property damage and tenant-related claims. The office handles special endorsements for fire damage and personal liability protection.

SR
799 Foothill Blvd D
Susan Rodriguez - State Farm Insurance Agent
Landlord Insurance Agent · San Luis Obispo, CA

Susan Rodriguez - State Farm Insurance Agent in San Luis Obispo, CA provides a comprehensive range of landlord insurance services, including coverage for property damage, liability protection, and loss of rental income. The agency offers support with policy maintenance, such as reviewing coverage limits to match current property values and assisting with claims filing for rental units. Its policies are designed to protect a variety of property types, from single-family homes and apartments to retail spaces and full-service restaurants.

FI
1228 Broad St
Farmers Insurance - Jennifer White
Landlord Insurance Agent · San Luis Obispo, CA

Farmers Insurance - Jennifer White serves local property owners, homeowners, and small-scale landlords seeking landlord insurance coverage. The agency helps property managers and residential investors protect rental dwellings from common liabilities, property damage, and income loss. Policies can address issues like tenant accidents, weather-related repairs, and structure maintenance. Understanding the specific risks of renting out homes in this coastal area is central to its advice. The agency also covers clients in neighboring communities such as Arroyo Grande and the broader San Luis Obispo County region.

TT
1238 Marsh St
Todd Thomas - State Farm Insurance Agent
Landlord Insurance Agent · San Luis Obispo, CA

Todd Thomas - State Farm Insurance Agent serves San Luis Obispo and the surrounding communities of the Central Coast. This agency handles landlord insurance policies designed to protect rental property owners from property damage and liability claims. It works with both single-family rental homes and multi-unit residential properties in the area. The agency generally provides a one-on-one consultation to assess a landlord’s specific coverage needs before tailoring an insurance package to match the particular risks of each property.

PI
1443 Marsh St
Polk Insurance Agency
Landlord Insurance Agent · San Luis Obispo, CA

For landlord insurance, Polk Insurance Agency in San Luis Obispo, CA, provides coverage arrangements that can be tailored to either a one-time policy for a single property transaction or an ongoing plan for a portfolio of rentals. Their standard landlord coverage typically includes protections for property damage, liability, and loss of rental income. Service is offered on either a one-time basis for a specific policy need or an as-needed schedule for clients with changing rental portfolios.

SI
1494 Mill St
SLO Insurance Services
Landlord Insurance Agent · San Luis Obispo, CA

SLO Insurance Services in San Luis Obispo specializes in crafting coverage plans tailored specifically for rental property owners, ensuring residential and commercial landlords are protected against liability claims and property damage. The agency assists local investors with assessing risk factors unique to the Central Coast rental market, such as older building structures and varying tenant occupancy cycles. As wildfire season approaches each year in California, SLO Insurance Services helps landlords review their policies for adequate loss-of-rent coverage during potential evacuations or property repairs.

MI
1042 Pacific St # E
Minton Insurance
Landlord Insurance Agent · San Luis Obispo, CA

Minton Insurance provides residential landlord insurance services for property owners in San Luis Obispo. Commercial coverage is also available for rental properties of various sizes, with an emphasis on protecting landlords from tenant-related claims and property damage. Serving all of San Luis Obispo County, the agency works to tailor policies to each client’s specific rental situation. After a claim or policy update, clients often follow up with the agency for adjustments between regular visits.

MI
2000 Broad St
McGee Insurance Agency
Landlord Insurance Agent · San Luis Obispo, CA

McGee Insurance Agency in San Luis Obispo provides general property and casualty coverage for rental property owners, and specifically tailors additional protections such as liability limits and loss-of-rent endorsements for local residential landlords. The firm handles policies for single-family rentals, duplexes, and small apartment buildings. Its clientele also extends to commercial sectors, including professional offices, warehouses, and food service establishments.

MG
1122 Laurel Ln
Morris & Garritano Insurance
Landlord Insurance Agent · San Luis Obispo, CA

As winter storms threaten the Central Coast, property owners in San Luis Obispo need coverage that addresses weather-related damage to rentals. Morris & Garritano Insurance provides landlord insurance policies tailored to local multifamily and single-family properties. Their agents help clients understand liability protection for tenant injuries and property-specific deductibles required by lenders. Every policy begins with a thorough review of the unit’s condition to establish accurate replacement cost data before initial inspection.

MI
1303 Higuera St
Meredith Insurance Center
Landlord Insurance Agent · San Luis Obispo, CA

Meredith Insurance Center in San Luis Obispo, California, is a landlord insurance agent known for providing coverage for rental property owners. Its service range includes policies that protect against property damage, liability claims, and loss of rental income. A local agency helps landlords navigate the specific risks associated with managing residential and commercial rentals in the area. As a specialty service, it can add on protection for vacant properties to address the unique exposures of unoccupied buildings.

GI
820 Walnut St Suite D
Goosehead Insurance -- Donaldson Agency
Landlord Insurance Agent · San Luis Obispo, CA
(805) 242-4900
tinaldonaldson.com
RI
1236 Higuera St
Relation Insurance - Engle & Associates Group
Landlord Insurance Agent · San Luis Obispo, CA
(805) 781-6336
engleinsurance.com
DD
100 Cross St Suite 202
DiBuduo & DeFendis Insurance Brokers LLC
Landlord Insurance Agent · San Luis Obispo, CA
(805) 593-1400
dibu.com
SI
1248 Laurel Ln
StateOne Insurance - Don Allen
Landlord Insurance Agent · San Luis Obispo, CA
(805) 547-1000
ibwins.com/locations/san-luis-obispo-stateone-insurance
PG
2436 Broad St
Peterson and Grantham Insurance Brokers SLO
Landlord Insurance Agent · San Luis Obispo, CA
(805) 544-9000
png-insurance.com
AB
369 Marsh St #200
Adler Belmont Group, Inc.
Landlord Insurance Agent · San Luis Obispo, CA
(805) 540-3900
adlerbelmontgroup.com
LU
872 Higuera St
Legends United Insurance
Landlord Insurance Agent · San Luis Obispo, CA
(833) 414-5520
legendsunitedinsurance.com/contact
RL
1363 Marsh St suite a
R.L. Insurance Associates Inc.
Landlord Insurance Agent · San Luis Obispo, CA
(805) 783-7130
rlassoc.com
CA
211 Tank Farm Rd
Coastal Axis Insurance
Landlord Insurance Agent · San Luis Obispo, CA
(805) 459-3240
coastalaxis.com/contact
CN
Maino, 1108 Garden St
Coast N Ranch Ins
Landlord Insurance Agent · San Luis Obispo, CA
(805) 878-3993

What Does a a Landlord Insurance Agent in San Luis Obispo Cost?

The cost of landlord insurance in California typically ranges from 15 to 30 percent more than standard homeowners insurance. For a single-family rental in San Luis Obispo, you might pay between 800 and 1,500 dollars per year, depending on the property value and coverage limits. Factors like location near fire zones, property age, and liability limits affect the premium. This is general information and not insurance advice.

About landlord insurance agents in San Luis Obispo

Landlord insurance agents in San Luis Obispo help property owners protect their rental investments with tailored coverage. California law requires landlords to maintain certain liability protections, and local agents understand the unique risks of the Central Coast market. Working with a knowledgeable agent ensures your policy meets state requirements and covers common issues like earthquake damage or tenant liability.

Frequently Asked Questions

What does landlord insurance cover in San Luis Obispo?

Landlord insurance typically covers property damage, liability protection, and loss of rental income. In California, policies often exclude earthquake damage, so you may need a separate endorsement for that risk.

Is landlord insurance required by California law?

California law does not require landlord insurance, but most mortgage lenders for rental properties do require it. Additionally, having liability coverage is strongly recommended to protect against tenant injury claims.

How do I choose a landlord insurance agent in San Luis Obispo?

Look for an agent who specializes in rental property coverage and has experience with California-specific risks like wildfires and earthquakes. Ask about policy options for short-term rentals if you list on platforms like Airbnb.

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.