Apartment Building Insurance in California

Get the right affordable apartment building insurance quote by letting us help you.
Protect yourself from the huge financial risk of losing everything in a fire or other disaster,
especially with unpredictable renters.


If you own an apartment complex, you understand the pressure and responsibility associated with it. Owning so much property puts you at huge financial risk of losing everything in a fire or other disaster, especially with unpredictable renters. Many apartment owners are also in danger of losing their primary source of income if their tenants’ apartments are irreparably damaged. With no one living in the buildings anymore, you’re stuck with the financial burden of fixing the damage, but now you’re without a stream of income to cover it.

Even discounting the possibility of complex-wide disaster, apartment owners face the daily risk of heavy losses from liability claims if there’s a swimming pool, spa, sauna, gym, playground, and/or parking area on site. In an environment where anything could go wrong, something inevitably will.

Apartment Building Insurance Covers:

  • Building structure (extended replacement costs or actual cash values)
  • Separate specified property, such as pools, fences, etc.
  • Contents (replacement costs or actual cash values)
  • Loss of rental income
  • Equipment breakdown
  • Service charges for fire department costs
  • Debris removal
  • Pollutant cleanup
  • Sewage/drain backup
  • Computer equipment
  • Employee dishonesty
  • Sprinkler leakage
  • Forgery
  • General operations liability (personal and employees)

Some Additional Discounts available are:

  • Extensive management experience
  • Favorable claims history
  • Membership in specific associations
  • Favorable building maintenance
  • New building discounts
  • Sprinkler building discounts
  • Tile roof discounts
  • Use of property management company
  • Many other discounts available

Habitational Broadening Endorsement

The Broadening Endorsement provides additional protection through the endorsements listed below:

  • Business Income and Extra Expense from Dependent Property:
    Increases coverage limit to $50,0000 for business Income and extra expense due to physical loss or damage at the premises of a dependent property or secondary dependent property caused by or resulting from a covered cause of loss.
  • Blanket Waiver of Subrogation:
    Provides a waiver of the right to seek subrogation against a negligent third-party. This is contingent upon an Insured’s agreement to do so through written contract executed prior to the loss.
  • Aircraft Chartered with Crew:
    The exclusion is removed, and coverage is provided on an excess basis for aircraft chartered with crew.
  • Blanket Additional Insured
    By Contract with Primary and Noncontributory Clause: When agreed to by contract this insurance becomes primary, and non-contributory. Contribution will not be sought from other insurance of the Additional Insured.
  • Claim Data Expense:
    Provides $10,000 coverage limit to cover expenses incurred for preparation of claim data we require to document the extent of the loss. This coverage does not cover the costs of attorneys, insurance adjusters or their associates or subsidiaries.
  • Computer Fraud:
    Provides $5,000 coverage limit to cover loss or damage to business personal property resulting from the use of a "computer" to fraudulently cause a transfer of that property from the Described Premises or "banking premises."
  • Debris Removal:
    Increases coverage limit to $40,000 to cover the cost of removing debris resulting from a covered loss.
  • Electronic Data:
    Provides $25,000 coverage limit to cover damage to computers, media and data resulting from a covered cause of loss.
  • Extended Business Income:
    Extends the business income coverage limit to 120 consecutive days.
    Extension of Coverage – Bodily Injury: Extends coverage for bodily injury to include mental anguish, mental injury, shock, fright, disability and/or humiliation.
  • Fine Arts:
    Provides $2,500 coverage limit to cover loss or damage to fine arts such as antiques, paintings, etchings, drawings, tapestries, sculptures and fragile property such as porcelains, china and marble.
    Fire Department Service Charge: Provides $5,000 coverage limit to cover Fire Department service charge when called to save or protect your property from a covered cause of loss.
  • Incidental Medical Malpractice:
    Extends coverage for " bodily injury”, mental anguish, sickness or disease arising from the rendering of or failure to render services, including those included under the “Good Samaritan” laws.
  • Increased Supplementary Payments:
    Increases the coverage amount for the cost of bail bonds to $1,000 and loss of earnings to $500 per day.
  • Injury to Co-Employees:
    “Employees” are covered as insureds with respect to bodily injury to a co-“employee” while acting in the scope of employment.
  • Knowledge and Notice of Occurrence or Offense:
    Notice of a claim given to you (or your insurance, loss control or risk manager or administrator) should be reported immediately. Notice to any other employee does not constitute notice given to the insured.
  • Laptop Computers
    Worldwide Coverage: Provides $5,000 coverage limit to cover loss or damage laptop, palmtop and similar portable computer equipment, personal digital assistants (PDAs), and accessories owned by you anywhere in the world.
  • Loss or Damage to Tenant’s Autos:
    Provides $10,000 coverage limit for loss or damage to tenant’s parked automobile on the described premise resulting from a covered loss.
  • Lost Key Consequential Loss:
    Provides $5,000 coverage limit to cover the cost of consequential loss to keys and locks resulting from a damaged or lost master key caused by a covered loss.
  • Newly Acquired or Constructed Property
    Building Coverage: Increases the building coverage limit to $500,000 for newly acquired or constructed property.
  • Newly Acquired or Constructed Property
    Business Income Coverage: Provides $250,000 coverage limit for business income and extra expense for newly acquired or constructed property.
  • Newly Acquired or Constructed Property
    Business Personal Property Coverage: Increases the building coverage limit to $500,000 for newly acquired or constructed property.
  • Outdoor Property:
    Increases coverage limit to $20,000 (up to $1,000 per tree shrub or plant).
  • Personal Effects:
    Increases coverage limit to $5,000 for Business Personal Property to apply to personal effects owned by you, your officers, your partners or “members”, your “managers” or your employees.
  • Pollutant Cleanup and Removal:
    Increases coverage limit to $25,000 to cover expenses to extract "pollutants" from land or water at the described premises if the discharge, dispersal, seepage, migration, release or escape of the "pollutants" is caused by or results from a covered loss.
  • Primary and Noncontributory
    Other Insurance Condition: Places this insurance as primary to, and will not seek contribution from, any other insurance available to an Additional Insured under your policy as long as the Additional Insured is named on the policy and has an agreement in writing confirming the stated condition.
  • Reasonable Force
    Bodily Injury or Property Damage: Coverage is excluded when “bodily injury” or “property damage” is expected or intended on the part of the insured. But this exclusion does not apply if the “bodily injury” or “property damage” results from the use of reasonable force to protect persons or property
  • Reward Coverage:
    Provides $5,000 coverage limit or 10% of the amount of the covered loss, whichever is less, to reimburse for rewards paid for the successful return of undamaged stolen articles or arrest and conviction of any person persons who commits arson to any covered property.
  • Tenant Move Back Expenses:
    Provides $10,000 annual aggregate coverage limit to cover expenses incurred to move tenants back to the described premises after a covered loss renders their unit uninhabitable.
    Tenant Personal Property: Provides $10,000 annual aggregate coverage limit to cover expenses associated with temporarily moving or storing tenant's personal property or tenant personal property damaged resulting from a covered loss.
  • Unauthorized Business Card Use:
    Provides $5,000 coverage limit for your loss of “money” or charges and costs incurred resulting directly from the unauthorized use of credit, debit or charge cards issued in your business name.
  • Unintentional Omission:
    The unintentional omission of information or error in the information, does not prejudice your rights under this policy.
  • Water Back-Up and Sump Overflow:
    Provides $50,000 annual aggregate coverage limit to cover damage caused by water that backs up into the property through pipes, drains, sewer, water-service or sump pump.

Save Money with a Variety of Discounts including:

Loss Free

Locations with no losses or losses with less than $500 incurred within the last three years.

Fire Alarm

Buildings equipped with an active fire alarm system (Local, Central Station or UL with certificate)

Sprinklered Building

Buildings that are 100% sprinklered with regularly maintained fire suppression sprinkler system

Multiple Location

Policies with multiple locations on the same policy

On-Site Management

Locations with on-site property management

Business/Ownership Experience

Locations that are owned for at least 2 or more years.


Policy premium paid in full or mortgage direct bill

Smart Building

Locations equipped with “smart” technology (i.e. automatic temperature control)


Locations where the Lease agreements require a smoke-free premise


What limits are available for quoting?
$1MM - $100MM

Who is the Carrier writing the Umbrella?
Carrier towers - All are admitted and have an A.M. Best rating of A++

What types of apartments are eligible?
Schedule size must be under 15 locations and under 1,000 units. Large metropolitan areas are subject to additional review.

What housing types are not eligible?
Student or senior housing

What coverages can you follow form?

  • General Liability
  • Hired/Non-Owned Auto
  • D&O (including EPLI)
  • Automobile Liability
  • Employers Liability
  • Employee Benefits Liability
  • Liquor Liability

What are your eligible classes?

  • Single Family Dwellings
  • Duplex, Triplex, and Fourplex
  • Apartments
  • Mixed-Use Apartments

Is the Property/Real Estate Manager covered?
Yes, they are included automatically as a named insured and do not have to be listed

Our Reviews

Admin Magic Rentals
Admin Magic Rentals
15 February 2024
Great company! Mario & Ciara are the best & always super helpful.
Pink Elephants Moving And Storage
Pink Elephants Moving And Storage
10 February 2024
I have been using their services for a very long time. For my Car Insurance for my business insurance for any insurances. Need that I ever had to have. And I can tell you. It's different than using cheap insurance services that you don't know what you're getting into in e360 You have an answer for all your questions. They will ever always take care of your needs and they will always put you. First
Raymond Fouladian
Raymond Fouladian
7 February 2024
I have been working with PJ and his team for 10+ years. They manage all of my insurance policies. They provide nothing short of superior service. The e360 team are professional, experienced and pay attention to any and all details. I would highly recommend e360 for all of your insurance needs.
Luis Pineda
Luis Pineda
7 February 2024
M gusto su servicio contesto todas mis preguntas
Dominique Maneri
Dominique Maneri
1 February 2024
Harvey was an excellent help throughout the whole process of getting our insurance quotes! We'd waited months from another provider to receive competitive quotes but received quotes from e360 Insurance Services within just a week or two of asking for them! On top of that, Harvey was extremely communicative throughout the whole process. Anytime I had a question, there was a prompt response or a phone call to further explain. We will definitely consider using e360 Insurance Services in the future!
Krista Adler
Krista Adler
17 January 2024
Veronica and her team were amazing! They answered all our questions and got our new account active very fast! Thanks for all your help!
Jeffrey Holman
Jeffrey Holman
9 January 2024
Veronica did an amazing job getting my commercial vehicle insurance set up. Fast and painless! Thanks Veronica!
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