101 High St, Los Angeles, CA 90066
Current Policy
State FarmAnnual Premium
$4,180
Dwelling Coverage
$950,000
Deductible
$2,500
Renewal Date
Mar 15, 2026
Coverage Analysis
4 Issues IdentifiedLiability Coverage Below Market
Your $300K liability is below the $500K recommended for LA rental properties. Average tenant lawsuit settlements exceed $400K.
No Earthquake Coverage
Property is in Zone 4 seismic area. 72% of similar LA landlords carry earthquake insurance.
Missing Photo Documentation
Only 3 of 8 asset categories have recent photos. Complete documentation speeds up claims 2-3x.
Loss of Rent Limit
Current limit covers 6 months rent loss. Consider 12 months for major repairs.
Asset Inventory for Claims
Auto-imported from your Cost Segregation Analysis
Why Cost Seg = Better Claims
Your cost segregation study provides IRS-grade documentation of every building component with professional valuations. This detailed inventory becomes powerful evidence for insurance claims—adjusters tend to not ignore values already accepted by the IRS for depreciation purposes.
| Asset Category | Documented Value | Depreciation Class | Installed |
|---|---|---|---|
| HVAC System | $18,500 | 5-year | 2019 |
| Electrical System | $12,400 | 5-year | 2018 |
| Plumbing & Fixtures | $9,800 | 15-year | 2020 |
| Kitchen Appliances | $14,200 | 5-year | 2021 |
| Flooring (Hardwood) | $22,600 | 5-year | 2019 |
| Windows & Doors | $16,800 | 15-year | 2018 |
| Roofing | $28,500 | 15-year | 2020 |
| Landscaping & Irrigation | $11,200 | 15-year | 2021 |
| Total Documented | $134,000 |
Source: Cost Segregation Analysis by Engineered Tax Services · Completed Dec 2025
Rate Benchmark
You're paying
$1,000 more/yr
Better Options
6 carriersLemonade
Save $83/mo
$3,180
/year
Steadily
Save $63/mo
$3,420
/year
Obie
Save $53/mo
$3,540
/year
NREIG
Save $42/mo
$3,680
/year
Talk to an Insurance Advisor
Get personalized guidance from our certified insurance advisors who specialize in landlord policies.
No cost · No obligation · 15 min consultation
