Apartment Owner’s Insurance in California

We help apartment owners secure dependable protection and real savings on their insurance costs.

What This Coverage Protects

  • 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

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.

It only takes a minute to get started!

Option 1: Call 1-888-279-2925

Talk directly with a licensed agent who can provide a fast, no-obligation quote.

Option 2: Request a Quote Online

Complete the short form below, and an agent will review your information and contact you promptly.

Privacy Note: Your information is secure and used only to provide your quote.

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