Renting a house, duplex, or accessory unit in Tracy? The policy should be a landlord form, not the HO-3 that covered the home while you lived there. Send Insurance City Agency, LLC the address and the current declarations page. The Stockton office is at 956 W Robinhood Dr, CA License #6003045. Call or text (209) 670-1556.
Call or Text (209) 670-1556 Request a landlord quote
Owners searching for aseguranza para casa de renta, seguro de propietario, or aseguranza de landlord can use the Spanish page. The quote request goes to the secure contact form, not to an auto rater.
What is a DP-3, and when does a Tracy rental need one instead of an HO-3?
An HO-3 is the homeowners form for a house the owner lives in. A DP-3 is the dwelling form for a house, duplex, or accessory unit that is rented to someone else. Once the Tracy home is no longer owner-occupied, the declarations should be a landlord form, and the HO-3 that covered the house while you lived there is the wrong contract.
Confirm the form name on the declarations page before you assume which one you have. A single-family rental is often written on a DP-3. A duplex or a small property may be on a landlord form or on a commercial residential form. A larger building is more often on a commercial form. The declarations show which one is in force. Do not guess from the number of doors. Send the page that names the form.
An accessory dwelling unit that is rented is a separate occupancy from the house you live in. The statewide explanation of a rented accessory unit is on the rented ADU page. This Tracy page does not repeat that guide. If you live in the main house and rent only the accessory unit, say so, because the main house and the rented unit may not belong on the same form. The statewide landlord overview is landlord insurance in California.
How do dwelling, other structures, fair rental value, and landlord liability differ?
Dwelling, other structures, fair rental value, and landlord liability are separate parts of the form, and each one has to be read on the declarations. Fair rental value pays rent you cannot collect after a covered loss that makes the unit unlivable. It is not the same thing as a tenant who simply stops paying, and it does not cover the tenant furniture.
| Part to confirm | On an HO-3 for the home you live in | On a DP-3 or other landlord form | What to check |
|---|---|---|---|
| Dwelling | The house the owner occupies. | The rented building. | The limit should describe rebuild cost. It is not the monthly rent. |
| Other structures | Detached structures the form includes. | The same question on the landlord form. | A fence, a detached garage, or a shed, if the form lists them. |
| Fair rental value or loss of rents | Loss of use for the household that lives there. | Rent you cannot collect after a covered loss makes the unit unlivable. | The number of months the form states. Unpaid rent from a tenant who is still in the unit is a different problem. |
| Liability | Premises liability for the residence. | Landlord liability for the rental premises. | The limit printed on the declarations. |
| Belongings | Household contents on the homeowners form. | Not the tenant furniture. | The tenant needs a renters policy. Your form does not replace it. |
Read the words on your form rather than this table alone. Carriers do not all title the parts the same way. Fair rental value, loss of rents, and loss of use are easy to mix up. If the tenant stops paying while the building is livable, that is not the same trigger as a fire that makes the unit unlivable. The unpaid-rent question for California rentals is discussed on the unpaid rent page, and tenant-caused damage is discussed on the tenant damage page. Use those guides for those questions. Do not treat this Tracy page as a repeat of either one.
What changes when the Tracy rental sits in a mapped fire hazard zone?
If the rental sits in a mapped fire hazard zone, the landlord form still has to match that address. The zone class, the nonrenewal notice rules, and the choice between one admitted policy and a FAIR Plan policy plus a difference-in-conditions policy are explained on the Tracy homeowners page. Use that page for the map, and use this page for the rented house, duplex, or accessory unit.
Start with the Tracy homeowners page for the city map, Insurance Code section 678, and the two-contract comparison. Then come back here with the address. Tell the office whether the rental is on the FAIR Plan, whether a difference-in-conditions policy sits beside it, and whether anyone lives in the building. Do not cancel a FAIR Plan rental policy until a replacement landlord policy is bound and the effective dates overlap. A rented house and an owner-occupied house do not share a form just because they share a ZIP code.
What should an owner know about vacancy between tenants?
Many landlord policies limit coverage after the building has been vacant for a period the form itself states. The number of days is on your declarations and in the policy, not on this page. Tell the office when a Tracy house, duplex, or accessory unit is empty between tenants so the form you have can be read against that clause.
Vacancy is not the same as a tenant who is out of town for a weekend, and it is not the same as a unit you are painting while a lease is still in force. The form defines the word. Read that definition before you assume the building is still covered the way it was on the day the last tenant moved out. If you are between leases, send the date the unit became empty and the date you expect the next lease to start. There is no day count on this page because the count belongs on the form you already have, or on the form being quoted.
How do you quote a Tracy house, duplex, or accessory unit?
A Tracy landlord quote needs the address, the number of units, the year built, the roof, whether a lease is in force, and the current declarations page. Those six facts decide whether the form is a DP-3 or a larger residential policy and what the dwelling limit should describe. Insurance City Agency, LLC takes that packet at 956 W Robinhood Dr, CA License #6003045.
- Send the street address, including the unit number if the rental is an accessory dwelling or one side of a duplex.
- Send the number of units you rent at that address.
- Send the year built and the roof age and material.
- Say whether a lease is in force, whether the unit is empty, or whether you still live in part of the property.
- Send the current declarations page so the form name, the dwelling limit, and any FAIR Plan placement are visible.
- Use the secure contact form or call (209) 670-1556. Do not use an auto quote link for this policy.
If the roof, the unit count, or the lease status changed since the declarations were issued, say what changed. A quote built on an old unit count will not match the building you have now. Spanish-speaking owners can use the Spanish version of this page and the same phone number.
Frequently asked questions
Does an HO-3 cover a Tracy house once it is rented out?
No. An HO-3 is the homeowners form for a house the owner lives in. A DP-3 is the dwelling form for a rented house, duplex, or accessory unit. When the Tracy home is no longer owner-occupied, the declarations should be a landlord form.
Does the landlord policy cover the tenant furniture?
No. Tenant belongings belong on the tenant renters policy. The landlord form is for the building, other structures the form lists, fair rental value after a covered loss, and landlord liability. Ask the tenant to carry a renters policy for furniture and personal property.
How many days of vacancy does a Tracy DP-3 allow?
The form states the number of days, and it varies by form. Read the vacancy clause on the declarations and in the policy, and tell the office when a Tracy house, duplex, or accessory unit is empty between tenants.
Where are the Tracy fire-map rules explained?
On the Tracy homeowners page: the city fire map, Insurance Code section 678, and the difference between one admitted policy and a FAIR Plan policy plus a difference-in-conditions policy. This landlord page does not repeat that map.
What does Insurance City need to quote a Tracy rental?
The address, the number of units, the year built, the roof, whether a lease is in force, and the current declarations page. Insurance City Agency, LLC takes that packet at 956 W Robinhood Dr, Stockton, CA 95207, CA License #6003045. Call or text (209) 670-1556.
Reviewed by Santo Militello, California-licensed agent and owner (CA Lic. #1737723). Our licensed team brings more than 70 years of combined insurance experience. Insurance City Agency, LLC · CA License #6003045 · 956 W Robinhood Dr, Stockton, CA 95207 · (209) 670-1556. Last reviewed 2026-10-20.
Related resources
- Tracy homeowners insurance, fire maps, and nonrenewal notice
- Landlord insurance in California
- Insurance for a rented accessory dwelling unit
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Request the Tracy landlord quote. Call or text (209) 670-1556 or use the secure contact form. ¿Prefiere español? Lea esta página en español.
Insurance City Agency, LLC · CA License #6003045.
More guides from Insurance City
- Homeowners insurance in Tracy, CA: fire maps and nonrenewal
- Landlord insurance in California
- Rented accessory dwelling unit insurance in California
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