Apartments & multifamily
Coverage for individual buildings and growing portfolios, including rental income and liability exposures.
HomeProtect the income.
Real estate insurance strategy
Protect the income.
Preserve the equity.
Coverage for the people who build, own, and manage property—from a single rental to a complex portfolio.
Request a Portfolio ReviewBuilt around the property business
The building is only one part of the risk.
Your insurance should account for rent, financing requirements, ownership entities, renovation work, tenants, and the liability that follows each property. We review how those pieces connect before recommending coverage.
What we protect
Coverage shaped to the property and the plan.
Different assets create different exposures. The structure should match how each property is owned, occupied, financed, and managed.
Retail & mixed-use
Protection for buildings with commercial tenants, varied occupancies, and more complex lease requirements.
Rental portfolios
A coordinated approach for long-term, short-term, and furnished rental properties held across entities.
Construction & renovation
Builders risk and liability solutions that follow the project from acquisition through completion.
HOAs & associations
Property, liability, crime, directors and officers, and umbrella coverage for community associations.
Complex portfolios
Layered protection for investors whose properties, entities, and personal assets must work together.
Commercial and specialty market access
More ways to approach a difficult property risk.
Some properties fit a direct market. Others require a specialty program or wholesale access. We use the path that fits the building, occupancy, ownership, and underwriting information.
Farmers Insurance
Selected commercial and property risks, subject to underwriting.
Foremost
Rental and landlord properties that may not fit a standard homeowners policy.
California FAIR Plan
Basic property coverage when reasonable traditional coverage is not available.
Distinguished
Specialty commercial programs for apartments and other real estate.
Zurich
Commercial insurance considered for qualifying real estate risks.
Steadily
Landlord focused options for rental properties and real estate investors.
Honeycomb
Short-term and mid-term rental property options, depending on eligibility and underwriting.
Proper Insurance
Short-term, vacation-rental, and mid-term coverage for eligible properties.
Novatae
Wholesale access for specialty commercial placements.
One80 Intermediaries
Specialty programs for harder to place property and commercial risks.
RPS
Wholesale access for commercial, excess and surplus, and difficult property risks.
This list includes insurers, programs, wholesale brokers, and market access partners the agency may consider. Market access may change. Product availability, eligibility, underwriting, coverage, and policy terms vary by risk and state. Ask us to confirm which options are currently available for your situation.
Where policies fall short
The details that protect the deal after it closes.
Price matters. The structure of the policy determines whether the asset, the income, and the ownership arrangement are actually protected.
Review your current policyReplacement cost
Insurable values should reflect today’s construction costs, not an outdated purchase price.
Loss of rents
Coverage may respond when rental income is interrupted by a covered loss, subject to the policy limit, recovery period, and other terms.
Ordinance and law
After a covered loss, older buildings may face code upgrade, demolition, and undamaged-building costs that require specific coverage.
Water and equipment
Water damage, sewer backup, service lines, and equipment failures need deliberate treatment.
Habitability exposure
Apartment owners should review how the policy treats tenant allegations involving unsafe or unlivable conditions.
Entities and umbrellas
The people and organizations named on the policies, including owners and management companies, should be reviewed with the higher liability limits above them.
Built for the deal timeline
Move quickly without guessing.
When a purchase, refinance, or renovation is moving, we coordinate the insurance information needed by the client, lender, escrow, and other professionals involved.
Investors & developers Property managers Brokers & lenders Escrow & HOA professionals
The objective is not simply to insure every address.
It is to protect the income and equity across the portfolio.
Property specific guidance
Go deeper into the risks behind the building.
These focused pages explain the information and coverage questions that matter for common real estate ownership structures.
Apartment Building Insurance
Property, loss of rents, habitability, building updates, and liability.
Learn more Rental Portfolio InsuranceMultiple properties, entities, income, lenders, and umbrella structure.
Learn more HOA InsuranceAssociation property, liability, board decisions, crime, and excess limits.
Learn more Builders Risk InsuranceNew construction, major renovation, materials, project value, and delays.
Learn more Commercial Property InsuranceRetail, office, warehouse, mixed-use, tenants, income, and financing.
Learn more Landlord InsuranceRental homes, smaller multifamily properties, income, occupancy, and liability.
Learn moreAlready insured? That is where we start.
Request a real estate insurance review.
Bring the current policy, acquisition details, or renewal terms. We will help identify what is working, what deserves a closer look, and what should be coordinated.
Call the agency(310) 792-7885
Visit us1426 Aviation Blvd., Suite 201
Redondo Beach, CA 90278
Redondo Beach, CA 90278
What are you working on?
New acquisitionUpcoming renewalRenovation or developmentPortfolio review
Request a Review Mon–Fri, 10:00 AM–1:00 PM & 2:00–5:00 PM