Apartment Owners Insurance in California
Better Coverage. Lower Premiums. Expert Guidance for Apartment Owners.
Apartment ownership is a major investment — it deserves strong protection at a fair price. Many California owners are paying far more than they should for apartment insurance. Our specialized programs deliver comprehensive coverage with highly competitive premiums.
At Dave Terpening Insurance Agency, we help apartment owners secure dependable protection and real savings on their insurance costs.
What This Coverage Protects
Running apartment buildings means balancing tenant safety, maintenance, and profitability. We help safeguard what matters most.
Our apartment owners insurance can cover:
• Building and property damage (fire, wind, water, vandalism)
• Loss of rental income during repairs
• General liability for injuries or damage on premises
• Ordinance and law upgrades (required by building codes)
• Equipment breakdown (HVAC, electrical, plumbing systems)
• Crime or theft coverage
• Umbrella and excess liability for extra protection
We simplify the process — one call connects you with a licensed agent who will review your properties and tailor coverage to fit your needs.
Is Your Property a Fit?
Our apartment owners program is designed for professionally managed properties with:
- 5 or more units (no single-family homes or condos)
- Located at least ½ mile inland from the coastline
- Well-maintained structures (no aluminum wiring, new construction, or demo projects)
- Low-hazard mixed-use properties (e.g., offices or retail) may be eligible if fully sprinklered.
- No age restriction — older properties qualify and still receive highly competitive rates.
If this describes your property, we can help.
Why Choose Dave Terpening Insurance
- Trusted since 1989 — over three decades serving California property owners
- Personal service — real agents, not call centers or bots
- Fast turnaround — most apartment quotes in 24–48 hours
- Specialized programs for great coverage and very competitive premiums
- Expert guidance — helping you choose the right coverage with confidence.
Get a Fast, Competitive Quote for Your Apartment Property
It only takes a minute to get started.
Option 1: Call Us Now
Talk directly with a licensed agent who can provide a fast, no-obligation quote.
1-888-279-2925
Option 2: Request a Quote Online
Complete the short form below, and an agent will review your information and contact you promptly.
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