Landlords Passing Higher Insurance Premiums Onto Renters

California landlords are facing higher insurance premiums and passing along some of those costs to their tenants. That’s starting to affect the rental market in a state where almost half of residents are renters. Some experts say it could worsen the state’s housing crisis. Many insurance companies have stopped writing policies in the state leading some landlords to find out-of-state insurers or turn to the ever-growing and more expensive FAIR Plan, the insurance industry-run plan that is mandated under California law to be the insurer of last resort. Both have higher costs. It’s not just residential rents that will see increases. Small businesses that rent their space also will be affected by rising premiums.