Your Property.Our Protection.
$1 Million liability coverage + comprehensive protection on every rental
What's Covered (Automatically)
Every SubletLA rental includes comprehensive insurance at no extra cost
Property Damage
Covers accidental damage to your home, furniture, and appliances
Liability Coverage
Protects you if someone gets injured on your property
Loss of Income
Reimbursement if property becomes uninhabitable
Theft Protection
Coverage for stolen or vandalized property
Legal Protection
Legal fees and representation if disputes arise
Emergency Services
Immediate response for urgent property issues
How Claims Work (It's Easy)
Report Incident
< 5 minutesSubmit a claim through your dashboard or call our 24/7 hotline. Upload photos and describe what happened.
Expert Review
24-48 hoursOur claims team reviews your case and connects with you for any additional details. Most claims approved within 48 hours.
Get Compensated
3-5 daysOnce approved, funds are deposited directly to your bank account. Average payout time is 3-5 business days.
Real Protection Stories
My water heater burst while I was traveling in Europe. SubletLA's team handled everything—emergency plumber, repairs, and even reimbursed my renter's hotel stay. Claim approved in 36 hours.
A kitchen fire caused by the renter damaged my cabinets and appliances. SubletLA covered all repairs plus my lost income for 2 months. The process was seamless.
Common Questions
Do I need to buy separate insurance?
No! Every SubletLA rental automatically includes $1M liability coverage at no extra cost. You can add additional coverage if desired, but it's not required.
What's NOT covered?
Normal wear and tear, intentional damage by the owner, and existing damage are not covered. The property must be in good condition before the rental starts.
How fast are claims processed?
Most claims are reviewed within 24-48 hours. Simple cases can be approved same-day. Payouts typically arrive within 3-5 business days after approval.
Is there a deductible?
No deductible for claims under $10k. Claims over $10k have a $500 deductible. This is significantly lower than traditional rental insurance.