FAQs

Typically no. In California these are usually separate from the property policy and addressed through dedicated earthquake or DIC coverage. We can review what fits your property. ...

It may help replace the rental income you lose while a covered loss makes space unrentable during repairs, which is often one of the most important coverages for an ...

Often yes. If a covered loss makes the space unusable, loss of rents may help replace the rental income you would otherwise collect during repairs.

Usually not. Tenant policies typically cover their contents and their liability. LRO is what protects the structure you own and your landlord liability.

Many commercial leases require the owner to carry LRO at specified limits. We can review the lease language and help align your coverage with it.

LRO covers your role as building owner and landlord, not a business operating inside the space. Tenants insure their own contents and operations separately.

It describes how far the master policy reaches into a unit. That determination guides what each owner’s HO6 policy should pick up, and we can help the board explain ...

Associations handle member funds and reserves. Crime and fidelity coverage may help protect those funds against theft or dishonesty.

Volunteer board members can face claims over governance decisions. D&O liability may help protect them and the association in those situations.

It depends on the cause. Sudden and accidental water damage is often covered, while gradual leaks and maintenance issues typically are not. We can walk through the distinctions. ...