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🏒 California · Apartment Building Insurance

Apartment Building Insurance
in California

Property Β· General Liability Β· Loss of Rents β€” coverage built for California apartment owners and real estate investors, backed by 20+ years of commercial insurance experience.

πŸ“ Licensed in CA Β· TX Β· AZ Β· FL Β· GA Β· WA Β· DC

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πŸ”’  Your info is never shared or sold
βœ“ Licensed in California
βœ“ 20+ Years Experience
βœ“ Independent β€” 6 Carriers Shopped
βœ“ Hard-to-Place Risks Welcome
βœ“ Same-Day Quotes

Protecting California Apartment Owners for 20+ Years

Secure Risk Partners β€” operating in California as SRP Cover Insurance Services (License #6012103) β€” is licensed in California and specializes in insurance for apartment buildings, multi-family properties and real estate investors across the state, from Los Angeles, San Diego and San Jose to Sacramento, Fresno and the Bay Area.

California landlords operate under the Tenant Protection Act of 2019 (AB 1482) and some of the strictest rental regulations in the country, and a single liability claim or a fire that displaces tenants can put your rental income at risk. As an independent agency we shop Hartford, Travelers, Lloyd's of London, Hiscox, Progressive, Guard and more to package the property, liability and loss-of-rents coverage your building actually needs.

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44%+
of CA Households Rent
AB 1482
Statewide Rent Cap
Loss of Rents
Replaces Rental Income

California's Tenant Protection Act (AB 1482) caps rent increases and requires just-cause eviction

California Labor Code Β§3700 also requires workers' compensation for every employer with even one employee β€” including on-site managers and maintenance staff β€” with no headcount exception.

Every Coverage California Apartment Owners Need

We write all of these for California apartment and multi-family owners β€” individually or as a complete package.

πŸ—οΈ

Property Insurance

Building, roof, common areas and owned contents at replacement cost β€” the core of every apartment policy.

⚠️ Most ImportantπŸ“‰

Loss of Rents

Replaces the rental income you lose when a covered fire, storm or other loss makes units uninhabitable while you rebuild.

⚠️ CA-Specific🌎

Earthquake Coverage

Standard property policies exclude earthquake damage. California apartment owners often need a separate quake policy β€” especially for older or unreinforced buildings.

🀝

General Liability

Slip-and-falls, tenant and visitor injuries, and third-party property damage claims on your premises.

βš™οΈ

Equipment Breakdown

HVAC, boilers, elevators and electrical systems β€” sudden mechanical or electrical failure is not covered by standard property policies.

πŸ›‘οΈ

Umbrella / Excess Liability

Extra limits above your GL β€” often required by lenders on financed multi-family properties.

We Know California. 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 Building Insurance FAQ

What does apartment building insurance cover in California?
A typical California apartment policy packages property coverage on the building and common areas, general liability for tenant and visitor injuries, and loss-of-rents coverage that replaces income while a damaged building is repaired. Many California owners also add earthquake coverage, which standard policies exclude. We tailor limits to your specific property.
Is loss-of-rents coverage worth it for a California apartment?
For most owners, yes. If a fire or covered loss forces tenants out, you stop collecting rent but still owe the mortgage. Loss-of-rents (business income) coverage replaces that rental income during the rebuild β€” often the difference between weathering a loss and defaulting.
Do I need earthquake insurance for my California apartment?
It's not legally required, but standard property policies exclude earthquake damage entirely, and much of California sits on active fault lines. For older or unreinforced masonry buildings especially, a separate earthquake policy is worth serious consideration. We can quote it alongside your package.
Does California require landlords to carry insurance?
California does not mandate apartment insurance by statute, but nearly every lender requires it on a financed building, and operating without it under California's strict rental laws leaves you personally exposed to liability and property claims.
Do I need workers' compensation for my California apartment building?
Yes. California Labor Code Β§3700 requires workers' compensation for every employer with even one employee β€” including an on-site manager, leasing agent or maintenance worker β€” with no headcount exception. We place competitive workers' comp for apartment owners alongside your property and liability package.
Can you insure older or larger apartment complexes in California?
Yes. We work with specialty carriers including Lloyd's of London for older buildings, larger unit counts and properties other carriers decline. Call us to discuss your building and we'll find the right market.

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.

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Alex
SRP Insurance Assistant
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