California Landlord Insurance

Proven Insurance Coverage For Your Apartment Building Or Rental Property

Your apartment buildings - and the rest of your property empire - likely represent your life's financial success and a huge part of your future retirement income. How awful it is to see so many people in Seal Beach, Los Alamitos, Huntington Beach, Long Beach, Los Angeles and Orange County, cutting corners in their Landlord Insurance protection that could either cause a huge financial set-back or, worse, wipe them out in the event of a large claim.

Why do investment property owners cut the insurance corners, leaving them vulnerable to inadequate or no coverage? 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 in these shaky insurance programs.

And, our industry and internet provider are partially to blame. 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. The first question asked of us, after all, is "how much do you charge?". The come-on from internet programs is purely price, and price alone.

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 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.

At California's Huggins Dreckman Insurance, you become a client at the outset. We ask the right questions to ensure that your building, liability, rental income and other important Landlord Insurance coverages are quoted and in place. Most clients are surprised at how much it costs to re-build apartment and other income property following a devastating claim (or even a small water claim). No one - not you, our agency, Mercury Insurance - wants to ever say "it's not covered" or "there isn't enough coverage". While certain events are not insurable, or require additional layers of coverage (such as Earthquake or Flood Insurance), we'll do our best to protect you.

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
  • 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 (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 Rental Property 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 in Los Angeles, Orange County, San Diego County, and in California. 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 plan. We know the areas. We know the residents. We know how to protect you with the right type of insurance (see our Resources tab and links).

We insure hundreds of 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 request at the top of this page now and let our insurance professionals forge a shield of protection over you. Or call 800-400-3224 and request extension 16 for Theresa or 15 for Stan.