Apartment Insurance Plus

   There is a Correct Way to Insure Your Apartment Building Or Rental Property

 Your apartment buildings - and the rest of your property holdings - represent your life's financial success and a huge part of your current or future retirement income. How awful it is to see so many people cutting corners in their Landlord Insurance protection that could either cause a huge financial setback or, worse, wipe them out in the event of a large claim.

 Why do investment property owners cut the insurance corners, leaving them with inadequate protection and significant financial loss?  We see it every day.  Generally, it's all in an effort to extract a little bit more margin in their cash flow - that, or these Rental  Property Insurance purchasers are simply not aware of the dangers inherent in cutting corners on their insurance programs.

 And, our industry and internet providers are partially to blame; the come-on from internet programs is purely price, and price alone.  As agents, we are all geared to quote price above all else, as we often believe that saving money - even at the detriment of protecting the nest-egg - is the only reason customers will ever buy our products.  After all, the first question asked of us, by people who are shopping for insurance, is "how much do you charge?".  

The truth is that the vast majority of southern Californian apartment and rental property owners want the right protection, at an affordable cost. At Huggins Dreckman Insurance, we work with our clients and advise them on how to make the most advantageous purchase of insurance so as to properly protect their investments. And, our clients are provided with the best Apartment Building Insurance in the industry: Mercury Insurance, Travelers Insurance, Safeco Insurance (1-4 units), and Oregon Mutual Insurance.

Rental Property Insurance is about preparing yourself, as best as you can, for damaging events that result from an insurable loss. While you can handle the small stuff, you can prepare for larger claims by either building up a large slush fund for uninsured claims or by purchasing the proper protection which includes:

  • The basic Apartment Building Insurance Package (Property, Loss of Rental Income, Liability for slips and falls)
  • Large Liability claims defense and payments of judgments - Umbrella Protection
  • Upgrades and accompanying costs for local municipal Building Code changes that govern your ability to rebuild
  • Breakdown of Electronic Machinery and the resulting Loss of Rental Income
  • Protection against the Backup of Sewers & Drains (not a huge loss but typically at least $10,000 in costs, if not significantly more)
  • Damages from former Tenants claiming Wrongful Eviction from their unit, or from vengeful tenants who sue you for discrimination based upon race, class, gender, and disabilities (an entirely separate policy).
  • Earthquake Insurance (a separate & additional policy)
  • Flood Insurance (a separate & additional policy)
  • Workers Compensation exposures, which is a separate policy, and you all have this exposure and need insurance protection, even if you think you don't.


As with any financial product you purchase, you get what you pay for. And think of it: We are all one spark or misstep away from a devastating personal and financial loss. Is your Insurance up to the acid- test, or do you worry about it because you wanted to save a few bucks?

Huggins Dreckman Insurance: Your Insurance Professionals

At Huggins Dreckman Insurance, we protect apartment owners all over California, with emphasis on Orange, Los Angeles, Riverside, and San Diego counties. We also protect 1-4 unit residential property owners all over the United States and have done so for decades with our Safeco 1-4 unit investor program. We are property investors ourselves, so we know what keeps you up at night.  We know how to protect you with the right type of insurance (see our Resources tab and links).

We insure apartment owners with Mercury, Travelers and other insurers programs. The experience you depend on is right here! So, choose right now to take advantage of this solid Apartment Building Insurance program.

Click on the quote on this page now and let our insurance professionals forge a shield of protection over you. Or call 800-400-3224 and request extension 1600 for Theresa or 1500 for Stan.

Thank you for this opportunity to be of service to you!