In California, buildings do a little bit of everything—apartments upstairs, businesses downstairs, and a whole lot of moving parts in between. Keeping all that covered takes more than a basic policy; it takes a custom fit that protects every side of your investment. Whether your building is a historic corner spot or a brand-new development, I’ll help you lock in coverage that actually makes sense.
Apartments, offices, storefronts—when your building’s doing double duty, your insurance needs to keep up. I’ll make sure you’re protected from the ground floor to the top floor, no gaps, no confusion.
Owning property in California means thinking ahead—earthquakes, wildfires, and rising costs are all part of the deal. Your coverage should handle the real risks, not just the fine print.
Mixed-use properties come with extra layers of risk, and not every insurer wants to deal with that. When the fine print gets tricky, I make sure you’re covered—and you understand how.
Mixed-use buildings have more moving parts—residential leases, business liability, commercial codes, and often stricter local rules. In California, you’ve also got earthquake zones, wildfire risks, and rising costs to factor in. The right policy balances all of it without leaving coverage gaps.
Yes, but it’s a little trickier. California insurers tend to see vacancy as a red flag, especially in higher-risk areas. The good news is, there are carriers who understand the ups and downs of mixed-use ownership—and I work with them.
Not always. A well-structured mixed-use policy can cover both, as long as the property use and tenant types are clearly spelled out. That’s why it’s so important to get the right coverage up front—one policy, no blind spots.
Most likely, yes. California lenders often want proof you have both property and liability coverage, along with protections for things like loss of income. I make sure your policy checks every box so financing doesn’t hit a snag.
That’s where a flexible policy and regular reviews come in. Whether you’re swapping a retail store for a café or adding residential units where offices used to be, your coverage should shift right along with it—and I help make sure it does.