California Apartment Building Insurance
Insuring an apartment building in California isn’t for the faint of heart, but lucky for you, I’ve been doing it since 1981. Whether your property is brand new or older than the Hollywood sign, I’ll find the right coverage—without the corporate runaround. And if the big guys won’t touch it? That’s where I come in.
Apartment Insurance That Actually Covers Your Assets
Older Buildings? No Problem.
Some insurance companies see an old apartment building and leave you in the dust—not me. Whether your building is a century-old classic or just a little "lived in," I can get you covered.
And if traditional insurers won’t touch it? That’s where surplus lines come in. These policies offer flexible solutions for hard-to-insure properties, whether it’s due to age, claims history, or other unique factors.
- No age limits—if it’s standing, I’ll find a way to insure it.
- Older wiring? As long as fuses are updated, I can make it work.
- Lapsed coverage? I take on properties that others have canceled.
- Surplus lines available when standard insurers say no.
- Access to specialized carriers that cover high-risk buildings.
Competitive Rates,
Real Coverage.
California insurance rates are sky-high, but that doesn’t mean you should pay more than you have to. I’ll help you get real coverage at a fair price—without habitability exclusions or hidden loopholes.
- Competitive premiums for buildings that qualify.
- No habitability exclusions—your policy actually covers what you need.
Frequently Asked Questions
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Do older apartment buildings cost more to insure?
Not always. The cost depends on factors like the building’s condition, maintenance history, and updates to wiring and plumbing. Some insurers charge higher premiums for older properties, but others offer competitive rates if the building meets safety standards. We work with providers who insure buildings of any age, so you’re not stuck paying more just because your property has a little history.
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Can I still get insurance if my previous policy was canceled or lapsed?
Yes. Many insurers provide coverage even after a lapse, though rates and options depend on the reason for the cancellation. Some big-name providers won’t touch lapsed policies, but we specialize in finding coverage for buildings that other insurers have dropped.
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What’s the biggest insurance challenge for California apartment owners right now?
Rising premiums and stricter underwriting. Many insurers have scaled back coverage options due to increased claims and wildfire risks, making it harder to secure comprehensive policies. We help owners navigate these challenges by shopping multiple providers.
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What factors affect my apartment building’s insurance premium?
Premiums are based on building age, location, construction materials, claims history, and safety upgrades. Features like fire sprinklers, updated electrical systems, and solid maintenance can help lower rates. We work with multiple providers to find the best balance of coverage and cost.
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Do apartment building policies cover mixed-use properties?
It depends. Some insurers cover buildings with both residential and commercial tenants, but policies must be customized to fit the unique risks of each space. We help owners find policies that cover both apartment units and business spaces—so nothing falls through the cracks.