Multi-Family Property Insurance for California Apartment Owners
Apartment buildings and multi-family properties bring together shared spaces, resident turnover, and aging building systems — a combination that calls for coverage built specifically for rental housing, not a generic property policy.
Built for rental housing, not a generic policy
Owners and managers of apartment buildings, duplexes, and other multi-family rental properties across California.
Coverage built for rental property risk
Property Coverage
Protects the building against fire, storm damage, theft, and vandalism.
General Liability
Covers injuries occurring in common areas like hallways, laundry rooms, and parking lots.
Loss of Rents
Replaces lost rental income if units become uninhabitable after a covered loss.
Umbrella/Excess Liability
Additional liability limits above your primary policy.
Ordinance or Law Coverage
Covers the added cost of rebuilding to current code after a covered loss on an older building.
Multi-family property insurance FAQ
Am I covered if a tenant is injured in a common area?
General liability typically covers injuries in shared spaces you're responsible for maintaining — hallways, stairwells, parking areas, and similar common areas.
Does my policy cover damage inside individual units?
Usually only to the structure and fixtures you own — tenants' personal belongings are covered by their own renters insurance, not your policy.
What is ordinance or law coverage and do I need it?
It covers the extra cost of bringing an older building up to current building code during a covered repair — often overlooked, but valuable for older multi-family properties.
Insure your apartment property the right way.
We shop the market to find coverage built for rental housing, not a generic building policy.
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