Commercial Real Estate Investor Insurance
Real estate investors who own several properties need coverage that grows with the portfolio. Managing separate policies with different renewal dates is time-consuming and can leave gaps. Pacific Southwest Insurance Services can package multiple commercial and residential properties together, often with blanket limits and a single renewal.
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 commercial real estate investor clients include:
- Owners of multiple commercial buildings
- Mixed portfolios (retail, office, apartments)
- LLCs and real estate partnerships
- 1031 exchange buyers
- Property management companies
- Fix-and-flip investors
Coverage Options
- Blanket property coverage: One limit shared across multiple locations.
- Loss of rents: Replaces rental income across the portfolio.
- General liability: Covers all locations under one policy.
- Umbrella / excess liability: Adds high liability limits across properties.
- Vacancy and renovation coverage: For properties between tenants or being improved.
- Newly acquired property: Automatic coverage for new purchases for a limited time.
What Affects Your Premium
Every property is different. Carriers typically look at:
- Number and types of properties
- Total insured values
- Tenant types
- Building ages and updates
- Geographic spread
- Management practices
- 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
Common Claims We See
- Water damage at rentals: Leaks are the most common claim across a portfolio.
- Tenant injuries: Liability claims can happen at any property.
- Vacancy vandalism: Empty units between tenants are targets.
- Fire: One fire can affect rental income and property value.
Tips for Real Estate Investors
- Ask about a blanket policy for multiple properties.
- Insure each building to replacement cost.
- Keep your list of properties up to date.
Frequently Asked Questions
Can I put all my properties on one policy?
Often, yes. A package or blanket policy can simplify coverage and renewals.
Is my new property covered automatically?
Many portfolio policies include a short period of automatic coverage. Call us right away when you buy.
Do you work with LLCs?
Yes. We can name each LLC properly so every entity is covered.
What is a blanket limit?
A blanket limit is one amount of coverage shared across your properties, so a large loss at one building can use more of the limit.
Can I add umbrella coverage for my portfolio?
Yes. An umbrella policy adds extra liability limits over all of your properties.
Other Properties We Insure
- Office Building Insurance
- Retail Store & Strip Center Insurance
- Apartment Building Insurance
- Warehouse & Distribution Center Insurance
- Industrial & Manufacturing Building Insurance
- Mixed-Use Building Insurance
- Medical & Dental Office Insurance
- Self-Storage Facility Insurance
- Vacant Building Insurance
- Builder’s Risk Insurance
- Restaurant & Bar Property Insurance
- Contractor Shop & Yard Insurance
- Auto Repair & Body Shop Insurance
- Hotel & Motel Insurance
- Church & House of Worship Insurance
- Gas Station & Convenience Store Insurance
- Salon, Barbershop & Spa Insurance
- Gym & Fitness Studio Property Insurance
- Daycare & School Insurance
- Dry Cleaner & Laundromat Insurance
- Landlord & Rental Property Insurance
- Business Tenant Insurance
- HOA & Condo Association Insurance
- Commercial Earthquake Insurance
- Business Interruption Insurance
- Equipment Breakdown Insurance
- Commercial Flood Insurance
- Inland Marine & Contractor’s Equipment Insurance
Don’t see your property type? We insure most commercial properties. See all commercial property coverage.
Get a Commercial Real Estate Investor 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.
Get a Free Quote
Tell us what you need and a licensed agent will follow up, usually the same business day.