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, once a rented or leased equipment limit is added to the floater. Read the rental agreement first. California law makes a hirer liable only for damage caused ...

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, ...

Higher-value equipment is scheduled by make, model, serial number and value, each with its own limit, and small tools go under a blanket limit with a per-item cap. Scheduling ...

Only within the small extension the property form gives for property in transit or at another location, and that limit is usually far below the value of a truck ...