FAQs

Typically the buildings and common areas plus the association’s general liability. Whether it extends inside individual units depends on whether it is walls-in or bare-walls.

If you have employees such as on-site managers or maintenance workers, California generally requires it. We can help you coordinate it with your property program.

It may help replace rental income you lose while a covered loss keeps units unrentable during repairs. It is often one of the most important coverages for a building ...

Often yes. An apartment building, an HOA, and a leased retail space each carry different exposures, which is why the coverage areas are organized by property type. ...

Because housing tenants concentrates liability and property risk. Carriers look closely at building age, wiring, roof, and loss history, which is why an accurate picture of your property matters. ...

Typically no. In California these perils are usually excluded from standard property policies and addressed through separate coverage. We can review whether that fits your situation. ...

It can, depending on the policy and your contract. We recommend you review your rental agreements with us.

Generally, property where people live, such as apartments, multifamily buildings, and community associations. It is often treated as a higher-risk class because of premises liability, tenant injuries, water damage, ...

It depends on the policy. Higher-value or specialized items are often scheduled individually. We can review the right approach with you.

Often only in limited ways or not at all once property leaves your premises. Inland marine is designed to follow property that moves.