About Us Gasoline Stations Hotels & Motels Restaurants & Bars Multi-Family Apartments Shopping Centers Employee Benefits Blog Contact Us 📞 (469) 983-2600 Get a Quote
🌴 California · Apartment & Multi-Family Insurance

Apartment & Multi-Family
Insurance in California

Property · General Liability · Loss of Rents · Umbrella — licensed California specialists with 20+ years of commercial insurance experience.

📍 Licensed in CA · TX · FL · AZ · GA · WA · DC

Free California Quote

We respond within one business hour.

🔒  Your info is never shared or sold

SRP Cover Insurance Services — CA License #6012103

Licensed in California
20+ Years Experience
Independent — 6 Carriers Shopped
Investors & Owner-Operators
Same-Day Quotes
🏛️ Licensed in California as SRP Cover Insurance Services — License #6012103

Protecting California Apartment Owners for 20+ Years

Secure Risk Partners is licensed in California as SRP Cover Insurance Services and specializes in multi-family apartment insurance for property owners across the state. California's strict tenant laws and high liability environment make proper coverage non-negotiable.

As an independent agency we shop Hartford, Travelers, Lloyd's of London, Hiscox, Progressive, Guard and more to find you the best coverage at the best price.

📞 Call (469) 983-2600
2M+
Rental Units in CA
#1
Renter State
Strict
Tenant Laws

California has the strictest tenant protection laws in the country — landlord liability exposure is significant

Workers' comp is mandatory for all employees in California. California's tenant protection laws, habitability standards and aggressive plaintiff environment create significant liability for landlords.

Every Coverage California Apartment Owners Need

We write all of these for California apartment owners and real estate investors — individually or as a complete package.

🏗

Property Insurance

Building, common areas, equipment and owner's property at replacement cost. Earthquake coverage available and strongly recommended.

🤝

General Liability

Slip and falls in common areas, tenant injury claims and third-party property damage.

📉

Loss of Rents

Replaces rental income lost when a covered loss makes units uninhabitable. Essential if you rely on rent to cover expenses.

⚠️ Recommended

Umbrella / Excess Liability

Extends your liability limits above your underlying GL policy. Strongly recommended for all multi-unit owners.

🔒

Crime & Employee Theft

Employee dishonesty coverage for property managers and maintenance staff who handle rent payments or keys.

👷

Workers' Compensation

Mandatory for all California employees — competitive placement for property management staff.

We Know California Real Estate. We Know Your Risk.

Independent agency. 6 carriers compared. Licensed in California and 6 other states.

Hartford
Travelers
Lloyd's of London
Hiscox
Progressive
Guard

California Apartment Insurance FAQ

What coverages does a California apartment owner actually need?
At minimum: property, general liability and loss of rents. We also strongly recommend an umbrella policy for any multi-unit owner and workers' comp if you have maintenance or management staff.
How does California's strict habitability law affect my apartment insurance?
California's implied warranty of habitability creates significant liability for landlords whose properties have maintenance issues. Premises liability claims in California are among the most expensive in the country. Adequate GL limits are essential.
Do you cover small landlords with just a duplex or fourplex?
Yes. We cover everything from 2-unit duplexes to large apartment complexes. Small landlords often need commercial coverage rather than a personal landlord policy — we make sure you have the right type of policy for your property.
What is an umbrella policy and do I need one?
An umbrella policy extends your liability limits above your underlying GL policy. For apartment owners, a serious tenant injury claim can easily exceed standard GL limits. We recommend umbrella coverage for all multi-unit property owners.
How quickly can you get a California apartment quote?
Same day in most cases. We need basic details — location, number of units, year built, square footage and current coverage — and we can have options in front of you within hours.
Can you cover an apartment building undergoing renovation?
Yes. We work with carriers that cover properties under renovation. Coverage terms depend on the scope of work and occupancy during construction. Call us to discuss your specific situation.

Ready for Your California Quote?

Give us 15 minutes. We'll show you exactly what you need, what you're missing and what we can do. No obligation.

📞 Call (469) 983-2600 Now

Get Your California Apartment Quote

SRP Cover Insurance Services — CA License #6012103

Other Industries We Cover in California

← View All California Commercial Insurance

Free Newsletter

Get Insurance Insights for Your Industry

Weekly tips from 20+ years of commercial insurance experience. Practical, relevant, no spam. Unsubscribe anytime.

🔒 We never share your info. Unsubscribe anytime.

📞 Call or Text Get a Quote
💬 Ask Alex
🤖
Alex
SRP Insurance Assistant