ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.

Find Landlord Insurance Agents Near You in Santa Cruz, CA

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

The top-rated landlord insurance agent in Santa Cruz, California is Chris Buich - State Farm Insurance Agent, rated 4.9 stars across 412 reviews. Other highly rated options include Lydia Harville - State Farm Insurance Agent, O'Brien Insurance Agency, DCD Financial & Insurance Services. This directory lists 13 landlord insurance agents serving Santa Cruz.

Showing 13 landlord insurance agents in Santa Cruz, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Chris Buich - State Farm Insurance Agent2222 E Cliff Dr Ste 200(831) 464-4300
2Lydia Harville - State Farm Insurance Agent1044 41st Ave(831) 476-6665
3O'Brien Insurance Agency1722 Seabright Ave(831) 621-1311
4DCD Financial & Insurance Services1123 Soquel Ave(831) 423-8542
5Paul Nelson Insurance Services730 Mission St #201(831) 426-9900
6Ace Althouse - State Farm Insurance Agent1215 Mission St(831) 420-1555
7Farmers Insurance - Michael Baxter730 Mission St #201(831) 427-0900
8Farmers Insurance - Ted Herzon406 Mission St # F(408) 666-1672
9Bedell & Nelson-Harbert Insurance2035 N Pacific Ave(831) 426-3700
10Clarion Pacific Insurance Services2035 N Pacific Ave ste a(831) 337-4661
CB
2222 E Cliff Dr Ste 200
Chris Buich - State Farm Insurance Agent
Landlord Insurance Agent · Santa Cruz, CA

Chris Buich - State Farm Insurance Agent offers tailored landlord insurance policies to protect rental properties in Santa Cruz, California. The agency provides general coverage for property damage, liability, and loss of rental income. It also assists local property owners with routine insurance reviews and policy adjustments. Whether addressing tenant-related claims, weather damage from coastal storms, or seasonal wildfire risks, the agency helps landlords secure appropriate protection for their investments.

LH
1044 41st Ave
Lydia Harville - State Farm Insurance Agent
Landlord Insurance Agent · Santa Cruz, CA

Lydia Harville - State Farm Insurance Agent offers landlord insurance services in the Santa Cruz, California area. This agency helps property owners protect residential rental dwellings with appropriate coverage in the local market. Landlord policies typically address building protection, liability concerns, and potential lost rental income stemming from covered damage. The agent assists clients in understanding how to insure single-family rental homes and smaller multi-unit properties against common risks. Specific services include ensuring fair rental income replacement and helping Santa Cruz landlords secure liability coverage for tenant-related incidents.

OB
1722 Seabright Ave
O'Brien Insurance Agency
Landlord Insurance Agent · Santa Cruz, CA

O'Brien Insurance Agency in Santa Cruz, California provides a full range of coverage options for residential and commercial landlord properties. Its services include protection for property damage, liability risks, and loss of rental income, along with customizable maintenance plans to help property owners address routine issues and sudden repairs. The agency works with owners of single-family homes, apartment buildings, retail spaces, and restaurants throughout the Santa Cruz area.

DF
1123 Soquel Ave
DCD Financial & Insurance Services
Landlord Insurance Agent · Santa Cruz, CA

DCD Financial & Insurance Services serves homeowners, landlords, and property managers in Santa Cruz, California, by providing tailored landlord insurance policies. The company helps clients protect rental properties against common risks such as property damage and liability claims. Coverage is designed to meet the specific needs of residential and small commercial landlords operating in the local market. DCD Financial & Insurance Services also extends its landlord insurance services to property owners in nearby Scotts Valley and the surrounding Santa Cruz County areas.

PN
730 Mission St #201
Paul Nelson Insurance Services
Landlord Insurance Agent · Santa Cruz, CA

Serving Santa Cruz and the surrounding communities of the California Central Coast, Paul Nelson Insurance Services handles landlord-specific insurance policies for residential and small commercial rental properties. Coverage typically includes protection for the building, liability claims from tenants or visitors, and loss of rental income due to a covered event. To manage each client’s unique situation, the agency first reviews the property’s condition and rental history before recommending appropriate policy limits and coverage options.

AA
1215 Mission St
Ace Althouse - State Farm Insurance Agent
Landlord Insurance Agent · Santa Cruz, CA

Ace Althouse - State Farm Insurance Agent in Santa Cruz, CA, offers both one-time policy review consultations for new properties and recurring annual policy management for ongoing landlord coverage. Their landlord insurance addresses property damage, liability protection, and loss of rental income for local residential units. Service can be arranged on a one-time, scheduled, or as-needed basis to align with lease cycles or claims requests.

FI
730 Mission St #201
Farmers Insurance - Michael Baxter
Landlord Insurance Agent · Santa Cruz, CA

Farmers Insurance - Michael Baxter offers tailored landlord insurance policies for rental property owners in Santa Cruz, CA. The agency provides coverage for property damage, liability protection, and income loss due to tenant issues. General services include policy review, claims assistance, and risk assessment for residential and commercial landlords. With the region’s seasonal wildfire risks and coastal weather events, the agency helps ensure your rental income is safeguarded against unexpected disruptions and tenant turnover.

FI
406 Mission St # F
Farmers Insurance - Ted Herzon
Landlord Insurance Agent · Santa Cruz, CA

Farmers Insurance - Ted Herzon in Santa Cruz, CA works with property owners to obtain coverage tailored for rental dwellings. The agency specializes in policies that protect against common landlord risks such as property damage and liability claims. Landlords can build custom plans that incorporate loss of rental income coverage and optional additions for natural disaster protection common in the region. The firm serves multiple commercial sectors including professional offices, warehouse facilities, and food service establishments.

BN
2035 N Pacific Ave
Bedell & Nelson-Harbert Insurance
Landlord Insurance Agent · Santa Cruz, CA

Bedell & Nelson-Harbert Insurance provides landlord insurance services for residential properties in Santa Cruz, California. The agency also extends its coverage options to commercial rental spaces as needed. Serving the greater Santa Cruz area, the firm helps property owners protect their investments from local risks. Clients receive personalized attention during initial policy setup, with follow-up support available to adjust coverage as rental situations change between regular property inspections.

CP
2035 N Pacific Ave ste a
Clarion Pacific Insurance Services
Landlord Insurance Agent · Santa Cruz, CA

As coastal fog and winter rains creep into Santa Cruz, landlords face increased risks of water damage and slip-and-fall claims on their rental properties. Clarion Pacific Insurance Services provides tailored landlord insurance coverage designed to address these local hazards, protecting property owners from costly liability and structural losses. They assist landlords in reviewing their policies to ensure adequate protection for the region’s unique weather and rental market conditions. An initial property assessment is scheduled to identify specific coverage needs and potential vulnerabilities.

DR
542 Ocean St #J
D and R Insurance Services
Landlord Insurance Agent · Santa Cruz, CA
(831) 427-3272
mercuryinsurance.com/local/d-and-r-insurance-services-045022.html
PB
9035 Soquel Ave #200
Progressive Benefit Group
Landlord Insurance Agent · Santa Cruz, CA
(877) 724-7187
progressivebenefit.com
FI
410 Ocean St
Farmers Insurance - Mark Battey
Landlord Insurance Agent · Santa Cruz, CA
(831) 423-7163
agents.farmers.com/ca/santa-cruz/mark-battey

What Does a a Landlord Insurance Agent in Santa Cruz Cost?

The cost of landlord insurance in California typically ranges from 15 to 30 percent more than standard homeowners insurance, with average annual premiums between 800 and 2,500 dollars for single-family rentals in Santa Cruz. Factors include property value, location near the coast or fault lines, number of units, and coverage limits. This is general information and not insurance advice.

About landlord insurance agents in Santa Cruz

Landlord insurance agents in Santa Cruz, California help rental property owners protect their investments with tailored policies. California law requires landlords to disclose certain insurance details to tenants, such as if the landlord does not carry fire or earthquake coverage. A local agent can guide you on liability protection, loss of rental income, and compliance with Santa Cruz rent control ordinances.

Frequently Asked Questions

What does landlord insurance cover in Santa Cruz?

Landlord insurance typically covers property damage, liability for injuries on the premises, and loss of rental income if the unit becomes uninhabitable. In California, earthquake and flood coverage are usually separate endorsements due to high risk in Santa Cruz County.

Is landlord insurance required by law in California?

California law does not require landlords to carry insurance, but most mortgage lenders and property management companies do require it. Additionally, having liability coverage is strongly recommended to protect against tenant lawsuits.

How do Santa Cruz rental laws affect insurance needs?

Santa Cruz has rent control and just cause eviction ordinances that can affect your liability exposure. A local landlord insurance agent can help you find a policy that covers legal defense costs and loss of income during eviction proceedings.

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.