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. ...
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. ...
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, ...
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