🛠️ Coverage Highlights

We tailor policies based on the type of property, tenancy, and your long-term goals:

• Dwelling Coverage – Pays for damage to the structure from fire, weather, vandalism, and more

• Loss of Rents – Reimburses you for lost rental income if the property becomes uninhabitable after a covered loss

• Liability Protection – Covers legal expenses and settlements if a tenant or guest is injured on your property

• Other Structures – Includes detached garages, fences, sheds, etc.

• Optional Equipment Breakdown – Protection for HVAC, water heaters, and major systems

• Water Damage & Sewer Backup – Available as an add-on

• Tenant-Occupied or Vacant Properties – We find solutions for all scenarios

• Short-Term Rentals & Airbnb – Coverage available when properties are used for temporary stays

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🧾 We Handle All Types of Rentals

• Single-family homes

• Multi-family residences (duplex, triplex, 4-plex)

• Condo units held as rentals

• Long-term or short-term leases

• Tenant-occupied or unoccupied

• Trust or LLC-owned properties

• Vacation or seasonal rentals

• Mixed-use buildings

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🔍 Why Landlords Choose AEC

• Multiple Carriers Compared – We quote across top-rated companies, including Mercury and Travelers

• Real Advice – We’ll help you balance cost with coverage, explain your exposures, and avoid common gaps

• Bundle Options – Combine with umbrella, earthquake, or other policies to save

• Claims Guidance – If a tenant floods a unit or there's a fire, we’re here to walk you through next steps

• Local Knowledge, Broad Reach – From Conejo Valley properties to out-of-county investments, we’ve got you covered

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💡 Tip: Require Tenant Renters Insurance

We recommend requiring tenants to carry renters insurance. It helps reduce liability and ensures their belongings are protected, minimizing disputes and risk.

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🙋 FAQ

Can I get coverage if my property is vacant?
Yes, we work with carriers that allow for short- or long-term vacancies and help you understand how coverage differs from a tenant-occupied policy.

What happens if my tenant causes damage?
Depending on the situation and policy, damage caused by a tenant may be covered—but not all situations are. We’ll help you understand what’s covered and what language you need in your lease.

Is short-term rental like Airbnb covered?
Some carriers allow short-term rental endorsements or standalone policies. We’ll help place you with a company that supports your use case.

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🏘️ Let’s Protect Your Rental Property

Whether it’s your first rental or one of many, we’ll help you protect your investment while keeping costs in check.

Call: 805-328-5001
Email: info@aecriskmanagement.com