If I already have landlord insurance, do I still need apartment building insurance?

Yes. Landlord insurance may work for single-family rentals or small properties, but if you own or manage a multi-unit apartment building, you’ll need apartment building insurance. This type of policy offers broader protection tailored to the risks of multi-unit properties, such as liability for common areas and coverage for loss of rental income.

What does apartment building insurance cover?

Apartment building insurance typically covers damage to the structure from risks like fire, storms, or vandalism. It also includes liability protection, loss of rental income, and coverage for equipment breakdowns such as elevators or HVAC systems. Optional add-ons, like flood and earthquake coverage, can be included based on location.

Does earthquake or flood damage come standard?

No. Standard apartment insurance policies do not cover earthquakes or floods. These must be purchased as separate riders or standalone policies, especially in high-risk areas like California.

Is tenant property covered under my building policy?

No. Apartment building insurance does not protect tenants’ personal belongings. Tenants should obtain renters insurance to cover their personal property.

Can damage caused by a tenant be covered?

In some cases, accidental damage caused by tenants may be covered under liability coverage. However, intentional damage is usually excluded. Many landlords require tenants to carry renters insurance.

How do I submit a claim?

To submit a claim, contact your insurance provider by phone or online. Document the damage with photos or videos beforehand, which helps speed up the process and provides clear evidence for your insurer.

How much does apartment building insurance cost?

The cost varies based on the building’s size, age, location, and coverage level. On average, landlords of small rentals may pay $15 to $30 per unit monthly. Larger or higher-risk properties usually have higher premiums.

Property Insurance Solutions for Homes, Apartments & Businesses

Property insurance protects your home, apartment, rental unit, or commercial building from losses caused by fire, theft, storms, vandalism, and other covered risks. Whether you own or manage property, the right policy helps you avoid major financial losses. E360 Insurance provides customized insurance plans for homeowners, landlords, HOAs, renters, and business owners across California, Arizona, Nevada, Texas, and Los Angeles.

Here, you can learn about all the property insurance options we provide and find detailed information for your city and state. Our licensed team will help you compare plans and choose coverage that fits your needs.

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What Is Property Insurance?

Property insurance can help pay for repairs or replacements if your home or building is damaged. It may also cover your belongings, lost rental income, or accidents involving visitors. Without insurance, events like fires or storms can be very costly. E360 Insurance explains your choices clearly and makes it easy to pick the right coverage. Whether you own, rent, or manage property, insurance protects your investment and helps you recover after unexpected damage. E360 Insurance also gives you peace of mind, knowing you won’t have to cover rebuilding costs on your own.

Why Property Insurance Is Important

Your home or building is one of your biggest investments. At present, without property insurance, a fire, storm, or lawsuit could result in major financial losses. E360 Insurance helps protect you from risks like fire, wind, theft, vandalism, burst pipes, and liability claims. Many lenders, landlords, and associations require insurance. Most importantly, having coverage means less stress because you won’t have to worry about repairs or rebuilding after a big loss. With the right policy, you can feel confident that your property is protected.

Who Needs Property Insurance?

Property insurance is important for many different people and situations. You may need it if you are:

A homeowner
An apartment or condo owner
A landlord or investor
Part of a Homeowners Association
A renter
A commercial building owner
A small business or restaurant owner

E360 Insurance helps families, property owners, HOAs, and businesses in CA, AZ, NV, TX, and Los Angeles. If you own or use property, you face risks, and insurance protects your finances when things go wrong.

Apartment & Apartment Building Insurance

As is normal, Apartment insurance and apartment building insurance protect tenants and property owners in different ways. Renters need coverage for their belongings and liability, while landlords need protection for the entire building. E360 Insurance offers solutions for single units, multifamily properties, and large apartment complexes.

Explore the detailed pages below:

Apartment Insurance
Apartment Building Insurance CA
Apartment Building Insurance Nevada
Apartment Building Insurance Arizona
Apartment Building Insurance Texas
Apartment Building Insurance in Los Angeles

Risk varies by location.

California, including Los Angeles, faces earthquakes and wildfires. Arizona deals with monsoon storms and heat. Nevada has high winds and desert conditions, and Texas gets hail and strong storms. E360 Insurance’s policies are built to match these local risks.

Homeowners Insurance

Homeowners insurance covers your house, personal belongings, and liability if someone is hurt on your property. It can also help with extra living expenses if your home becomes unlivable after a covered event. E360 Insurance offers policies for primary, secondary, rental, and luxury homes.

Visit your state page:

Homeowners Insurance CA
Homeowners Insurance Arizona
Homeowners Insurance Nevada
Homeowners Insurance Texas
Homeowners Insurance Los Angeles

Coverage typically includes:

Dwelling protection
Belongings coverage
Personal liability
Loss of use/additional living expenses

Homeowners in California and Los Angeles should consider wildfires and earthquakes. Arizona, Nevada, and Texas face several risks. That’s why we tailor our advice to each area.

HOA (Homeowners Association) Insurance

Homeowners Associations manage shared property and common areas, which come with unique risks. HOA insurance covers spaces like clubhouses, roofs, landscaping, pools, entry gates, fitness rooms, garages, and walkways. It often includes Directors & Officers liability coverage to protect board members.

Explore HOA coverage pages:

Homeowners Association Insurance
Homeowners Association Insurance CA
Homeowners Association Insurance Nevada
Homeowners Association Insurance Arizona
Homeowners Association Insurance Texas
Homeowners Association Insurance Los Angeles

Each region has its own exposure:

E360 Insurance creates HOA policies to address these challenges.

Commercial Building Insurance

Commercial building insurance covers offices, retail stores, warehouses, apartment complexes, and other business properties. It can pay for building damage, equipment, inventory, signage, and sometimes lost business income. Without insurance, a disaster could stop your operations or end your rental income.

Explore state pages:

Commercial Building Insurance CA
Commercial Building Insurance Arizona
Commercial Building Insurance Nevada
Commercial Building Insurance Texas
Commercial Building Insurance Los Angeles

Los Angeles and California properties may need wildfire or earthquake endorsements.
Arizona buildings face heat and monsoon storms.
Nevada properties face windstorms.
Texas commercial buildings are subject to hail and powerful thunderstorms.
E360 Insurance helps you find the right coverage for your specific risks.

Business Liability Insurance

Business liability insurance protects your company if someone claims injury or property damage from your operations. It can cover legal costs, settlements, and medical bills. Many landlords and contracts require proof of liability insurance before you can operate.

E360 Insurance serves:

Retail stores
Offices
Contractors
Landlords
Service businesses
Restaurants

Even small businesses have liability risks. A slip-and-fall, damaged property, or customer complaint can become a costly claim. Business liability insurance lets you focus on growing your business while staying protected.

Restaurant Insurance CA

Restaurants face unique risks that other businesses may not. These include kitchen fires, equipment breakdowns, food spoilage, alcohol liability, employee injuries, or customer accidents. E360 Insurance offers Restaurant Insurance in California for cafés, food trucks, bakeries, bars, and full-service restaurants.

Coverage options include:

Building and equipment coverage
Liability protection
Business interruption
Food spoilage and contamination

Restaurants in California and Los Angeles also need to consider earthquake preparedness, strict health regulations, and wildfire smoke. We help you meet these requirements and keep your premiums affordable.

Renters Insurance CA

Landlord insurance does not cover a tenant’s personal belongings. Renters Insurance in California protects your furniture, electronics, clothing, and valuables if they are damaged or stolen. It also provides liability protection if someone is injured in your rental unit.

Renters insurance may also help with:

Temporary housing after covered damage
Medical payment coverage for visitors
Theft protection, even if your property is stolen outside your home

E360 Insurance helps renters protect their belongings and keep costs affordable.

Earthquake Insurance

Standard homeowners and business policies usually do not include earthquake coverage. For people living in California and Los Angeles County, earthquake insurance is very important. A strong quake can cause foundation damage, wall cracks, collapsed chimneys, broken pipes, and major structural losses.

Earthquake insurance may help pay for:

Home repairs
Rebuilding costs
Debris removal
Temporary living expenses

E360 Insurance helps you choose the right limits and deductibles for your home and location.

Flood Insurance

Most property policies do not include flood coverage, which protects against rising water from storms, heavy rain, overflowing rivers, or coastal flooding. Flood risk is not just near the ocean; urban street flooding is also common after heavy rain.

E360 Insurance offers flood insurance for:

Homes
Rental properties
HOAs
Commercial buildings

Flooding can happen even outside official flood zones. With the right policy, you won’t have to pay reconstruction costs by yourself.

What Property Insurance Typically Covers

Property insurance generally protects against:

Fire and smoke
Theft or vandalism
Wind and storm damage
Burst pipes or some water leaks
Personal belongings
Liability for injuries
Loss of use/additional living expenses

Eventually, coverage depends on your policy type and state. E360 Insurance explains each part of your plan clearly, so you know exactly what is and isn't covered before anything happens.

What Property Insurance Usually Does NOT Cover

Common exclusions include:

Wear and tear
Poor maintenance
Mold caused by neglect
Intentional damage
Earthquakes or floods without added coverage
Sewer backup unless endorsed

Our team reviews exclusions with you, so there are no surprises when you file a claim. If something important isn’t covered, E360 Insurance can help you add endorsements or separate policies.

How Much Does Property Insurance Cost?

Pricing depends on:

Location and risk zone
Property age and construction type
Coverage amount
Deductible
Safety features
Previous claims

Homes on the Los Angeles coast, in wildfire zones, or in storm-risk areas may cost more to insure. Newer homes with alarms and fire suppression systems may cost less. E360 Insurance compares several carriers to help you get strong protection at a good price.

Why Choose E360 Insurance?

E360 Insurance is an independent agency, which means we work for you, not just one insurance company. We compare plans, explain coverage clearly, and help with claims. Clients choose us for:

Local knowledge of Los Angeles and California
Experience in Arizona, Nevada, and Texas
Personalized guidance
Multiple carrier options
Fast quotes and responsive support

Our goal is to protect your property and make insurance simple to understand.

Get Your Property Insurance Quote Today

Whether you own, rent, invest in, or manage property, E360 Insurance is ready to help you protect it. Tell us about your property, and we’ll find coverage that fits your location and budget.