Apartment building and landlord insurance in California
Property, liability and loss-of-rents coverage for apartment owners, rental property investors and commercial landlords.
Your rental property is an investment. Insure it like one.
Apartment and rental property policies cover the building, your liability as a landlord and the rent you lose after a covered loss. Habitational risks have become harder to place in California, especially older buildings and those in wildfire areas.
We work with standard, specialty and excess & surplus carriers to place apartments, mixed-use and commercial buildings — and with lessor's risk policies for owners leasing commercial space.
Coverage built around your business
Building
Fire, wind, water damage and other covered causes of loss.
Landlord liability
Tenant and visitor injuries in common areas.
Loss of rents
Rental income lost while repairs are made.
Ordinance or law
Code upgrade costs when rebuilding.
Umbrella
Higher liability limits for larger properties.
Lessor's risk
For commercial buildings leased to businesses.
Is this coverage right for you?
- Apartment building owners
- Owners of duplexes to fourplexes
- Mixed-use building owners
- Commercial landlords
Apartment & Landlord Insurance FAQ
Can you insure older apartment buildings?
Often yes, through specialty carriers. Updates to roofs, electrical, plumbing and heating help with eligibility and price.
Should my tenants have renters insurance?
Requiring renters insurance in your lease reduces disputes and claims against your policy.