Property owners should always consult with their insurance broker. Below are just some general comments that might be helpful to you. The insurance industry refers to these policies as "H03" type.

HOW TO REDUCE PREMIUMS?

A: Increase the deductible

B: Combine different types of insurance with one company (eg auto/property)

C: Use liability insurance on one property you own to cover another

D: Get quotes from different companies, comparing costs and coverage.

Consider reducing your risk/increase coverage by buying additional coverage for the following:

B: Earthquake coverage.EARTHQUAKE ZONES SAN DIEGO and EARTHQUAKE INSURANCE PREMIUM CALCULATOR

C: Building code ordinance coverage (If your property was damaged, you would need to rebuild it to current  building   codes and your  a regular policy may not cover the extra cost if codes change since you purchased the property)

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D: Higher limits of liability /personal property

E: Tenant discrimination:

F: Vacant homes. Some companies limit coverage if your single family home is vacant over 30 /60 days.  

  You should check with your insurance broker as you might be able to buy extra coverage for this.

G: Terrorism.

H: Guaranteed Replacement Cost

I: Loss of Rents and use etc

  J: Umbrella Policy

The following risks are often excluded and you might not be able to buy extra coverage. Other options may apply to, ask your insurance broker.

Most insurance companies exclude coverage from liability relating to dogs of specific breeds.  SDCPM excludes rental applicants from having a list of certain DOG BREEDS breeds for your protection.

MOLD/MILDEW, TERRORISM, FLOOD, LANDSLIDE

For single family homes and condos, you should ensure the policy is written as a landlord policy and not homeowner as the risks covered may be different.