Landlord insurance

in California

Instant insurance built for California landlords and real estate investors

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More than $10 Billion in property insured with Obie

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Available in all 50 states

We are more than
just an insurance
Insurance as it should be
Insurance when you need it, without the hassle of paper applications and confusing processes.
Lowest rates
Tech enabled to offer industry-best rates for the plans that are right for you.

Why Obie for your California rental?

When it comes to your California rental property, trust the best. Traditional homeowners insurance won't cover a rental, so you'll need landlord insurance to protect you. That's where Obie comes in. Obie is reinventing the insurance process for new landlords to seasoned investors. Request a quote with Obie and get simple, affordable, and transparent insurance for your duplex.


Our simple quote request process will match you with the perfect insurance for your rental. It couldn’t be easier, or faster.


We’ll make sure you have the right coverage at the best price to protect your investment.


Our whole process is online and straightforward. Just answer a few property questions and we’ll get you covered.

Save Time and Money

Obie streamlines landlord insurance, offering instant quotes in all 50 states. Getting a quote and purchasing a policy online is faster than ever before, making it easy to get covered and protect your investment.

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We've Got You Covered

Every rental property is different so we built Obie to be customizable. We’ll make sure that you’re covered and your investment is protected.

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Reduce Your Risk

Landlord insurance will help protect you from the unexpected.

Increase Financial Security

Grow cash flow and asset value by decreasing insurance costs.

Gain Peace of Mind

Relax knowing you and your rental property are covered.

Single Family

One unit, one house.


Two to four units in a building.


Buildings with 5+ units.

Condo Units

An owned unit within a building.

Your California Rental Property, Covered

Renting out a property in California? Obie has the right coverage for your property.

Whether your property is occupied, vacant, rented out as a short-term rental (AirBnB), or you’re in the process of renovating and flipping—you can get the right coverage with Obie.

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Frequently Asked Questions

How much does landlord insurance cost in New Mexico?


On average, the cost of rental property insurance in New Mexico is about $1,250 per year. However, insurance costs vary based on several factors, including property type, property location, and specific coverages.

What should be included in a rental agreement in New Mexico?


In New Mexico, a written rental agreement is required for leases one year or longer. For leases shorter than one year, the lease may be oral, although it is generally recommended to use written agreements regardless of lease duration. 

In general, lease agreements in New Mexico must include:

  • Description of the leased property
  • Identifying information of all the parties involved, including names and addresses
  • Rent conditions (cost, late fees, grace periods, etc.)
  • Party responsible for repairs and utility bills
  • Smoking policy
  • Subleasing terms (if applicable)

Can landlords in New Mexico conduct criminal background checks?


Landlords can utilize criminal background checks during the application and tenant screening process. However, they can only look back seven years.

What additional protected classes exist in New Mexico?


Real estate investors in New Mexico, and every other state, must abide by federal Fair Housing Laws. In addition to federally protected classes, New Mexico adds protection against ancestry discrimination, which occurs when an applicant is treated unfairly because of the country, nation, tribe, or other identifiable group of people from which they descend.

How much can landlords in New Mexico charge for rent?


Since New Mexico prohibits rent control on both state and local levels, landlords are able to charge whatever they deem reasonable for rent. In 2023, the median rent for 2 bedroom properties in New Mexico is $1,313. While there are no limits for raising rent, landlords must notify month-to-month and other fixed-term tenants at least 30 days in advance of a rent increase taking effect. Week-to-week tenants require a seven-day notice.

How much can landlords charge for a security deposit in New Mexico?


For leases one year or less, landlords can charge up to one month of rent as a security deposit. For longer-term leases, there is no limit to the security deposit amount as long as it’s “reasonable.” Under 47-8-18 (A) (1), if a landlord requires a security deposit greater than one months’ rent, the owner has to pay the tenant interest on the deposit each year. Security deposits must be returned within 30 days after a tenant’s move-out date.

Can landlords in New Mexico charge late fees?


Rental property owners can charge up to a 10% late fee on any rent due. However, all late fees must be disclosed in the lease agreement.

How much notice do landlords need to give tenants in New Mexico before entering a rental unit?


Landlords must provide a 24-hour notice to tenants before entering a rental property, unless it’s an emergency.

How long do landlords have to make repairs in New Mexico?


Repairs that affect the habitability of a unit or the health and safety of occupants must be made within seven days of being notified of an issue by a tenant. If a landlord fails to complete repairs in this window of time, tenants may legally withhold rent until repairs are completed.

How long does it take to evict a tenant in New Mexico?


New Mexico landlord-tenant laws allow landlords to evict tenants for the following three reasons:

  • Breach in lease: For a first-offense lease violation, a seven-day notice to cure or quit is required. If a tenant breaches the lease agreement a second time within the next six months, the landlord can file a seven-day notice to quit with no option to cure.
  • Nonpayment of rent: If a tenant fails to pay rent, the landlord must give a three-day written notice to pay or quit and three days to make the payment.
  • Criminal activity: For illegal acts, an unconditional three-day notice to quit is required.