Apartment Building Insurance

Apartment owners have a lot at stake: the building, the rental income that funds the mortgage, and liability for the tenants and guests who live there. Pacific Southwest Insurance Services insures multi-family properties of five units and up, from older courtyard buildings in the San Fernando Valley to newer complexes, and shops carriers to find competitive rates in a tough California market.

Get a free quote today. Call (818) 701-1033 or email info@pswinsurance.com. Office hours are Monday to Friday, 9:30 AM to 5:00 PM.

Who We Insure

Our apartment building clients include:

5 to 20 unit apartment buildings
Large apartment complexes
Courtyard and garden-style properties
Soft-story buildings (including retrofitted)
Mixed-use buildings with apartments
Senior and student housing

Coverage Options

Building coverage: Repairs or rebuilds the structure after fire, wind, vandalism, water damage and other covered causes.
Loss of rents: Replaces rental income while units are uninhabitable after a covered loss.
Landlord liability: Covers injuries to tenants and guests in common areas, stairways, pools and parking lots.
Ordinance or law: Pays for required code upgrades during repairs, which is important for older buildings.
Equipment breakdown: Covers boilers, water heaters, HVAC and electrical systems.
Earthquake coverage: Available on a separate policy. Many lenders require it.

What Affects Your Premium

Every property is different. Carriers typically look at:

Number of units and year built
Roof, plumbing and electrical updates
Soft-story retrofit status
Pools, gyms and other amenities
Tenant types (standard, student, subsidized)
Location and wildfire exposure
Claims history

As an independent agency, we compare options from multiple insurance companies to find the right coverage at a competitive price.

Why Choose Pacific Southwest Insurance Services

Family-owned and serving California since 1965, now writing coverage nationwide
Access to multiple commercial property carriers, including markets for hard-to-place risks
Fast certificates of insurance and lender evidence of property
One agency for your property, general liability, commercial auto, bonds and more
A real person answers the phone and knows your account

Frequently Asked Questions

Is a 4-unit building insured the same way?

Buildings with 1 to 4 units are usually written on a dwelling policy. Buildings with 5 or more units need a commercial apartment policy. See our landlord and rental property page for smaller buildings.

Why is apartment insurance getting harder to find in California?

Wildfire, rising construction costs and water damage claims have made carriers more selective. As an independent agency, we can shop multiple markets, including specialty and excess carriers.

Is earthquake damage covered?

No. Standard commercial property policies exclude earthquake. In California we strongly recommend a separate commercial earthquake or difference-in-conditions (DIC) policy, and we can quote one alongside your property coverage.

Other Properties We Insure

Don’t see your property type? We insure most commercial properties. See all commercial property coverage.

Get a Apartment Building Insurance Quote

Tell us about your property and we’ll shop the market for you. Call (818) 701-1033, email info@pswinsurance.com, or visit our office at 9036 Reseda Blvd., Suite 105, Northridge, CA.

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We are located at the corner of Nordhoff Street and Reseda Boulevard in the Wells Fargo Bank building.

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