Broadwater Insurance Agency

Multi-Family Property Insurance in California

Get affordable, high-quality Multi-Family Property Insurance made easy with Broadwater Insurance.

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Broadwater Insurance Agency | Insurance in California

At Broadwater Insurance Agency, we understand that owning a multi-family property in California is both an opportunity and a responsibility. Whether you manage a duplex in Pasadena or own a complex in Los Alamitos, your property needs protection from risks that can disrupt your operations or lead to costly repairs. With guidance from our experienced local agents, you can explore insurance options designed with California property owners in mind.

Multi-Family Property Insurance California

What Is Multi-Family Property Insurance?

Multi-family property insurance is a type of policy designed to help protect residential buildings that house multiple tenants—such as duplexes, triplexes, fourplexes, and apartment complexes. It can help cover various exposures, including physical damage to the structure, certain types of liability, and potential loss of rental income following a covered event.

The right policy will vary depending on the building’s age, size, location, and how it’s managed. At Broadwater Insurance Agency, we work closely with our California clients to find insurance options suited to their specific property and operational needs.

Get a quote for Multi-Family Property Insurance


Who Needs Multi-Family Property Insurance in California?

If you own or operate any residential building with more than one rental unit, you may benefit from multi-family property insurance. This includes:

  • Landlords with duplexes or three-family homes
  • Owners of multi-unit row houses or brownstones
  • Real estate investors managing small apartment buildings
  • Property managers acting on behalf of building owners

Even if you live in one of the units yourself, having the right coverage in place can help protect against unforeseen losses and tenant-related liabilities.

  • for property owners. A fire in one unit could impact several tenants. Liability claims might arise if someone is injured on your premises.

    While no policy can eliminate every risk, multi-family property insurance can help address several concerns, including:

    • Structural damage from certain weather events or accidents
    • Fire or smoke-related losses
    • Liability for injuries on the property
    • Loss of rental income following a covered incident
    • Equipment or utility system damage (such as boilers or HVAC units)

     

    Because each building and situation is different, we take time to review your property’s characteristics and potential exposures before recommending insurance options.

  • Broadwater Insurance Agency has experience assisting property owners with a wide range of residential buildings throughout California, including:

    • Two- to four-family homes
    • Historic row houses in San Francisco and Santa Cruz
    • Multi-unit rentals in suburbs like El Cerrito and Monterey Park
    • Small apartment buildings in regional hubs such as San Mateo or Merced
    • Student housing near colleges and universities

     

    Whether your building is owner-occupied or entirely leased to tenants, we can help you navigate your insurance choices.

  • While policy details vary by insurer and building type, multi-family property insurance in California often includes the following coverage options:

    • Property Coverage – Can help protect the physical structure, attached fixtures, and sometimes other structures like garages or sheds.
    • Liability Coverage – May assist with legal expenses or settlements if a third party is injured on your property.
    • Loss of Rental Income – Could reimburse lost rent if the property becomes uninhabitable due to a covered peril.
    • Equipment Breakdown – May apply to mechanical systems that serve the building, such as boilers or elevators.
    • Ordinance or Law Coverage – Could help with costs related to code updates following a covered loss.

     

    Not all coverages are included in every policy, and availability may depend on the insurer. Our team can help you review your needs and identify coverage options appropriate for your property.

  • Insurance premiums for multi-family properties in California depend on several factors, including:

    • Location and age of the building
    • Construction type and condition
    • Number of units and occupancy rate
    • Claims history and risk management features (e.g., fire alarms, sprinklers)
    • Replacement cost of the structure

     

    To get a clearer picture of your potential cost, Broadwater Insurance Agency can provide personalized quotes from multiple carriers. We’ll walk you through each option so you can make an informed choice.

  • As an independent insurance agency based in California, we take pride in providing personalized service to landlords, investors, and property managers across the state. Here’s what you can expect when you work with us:

    • Local Knowledge – We understand the regional risks that come with owning property in California.
    • Carrier Access – We work with a range of insurance providers, giving you options instead of one-size-fits-all solutions.
    • Responsive Service – Whether you’re insuring your first building or managing a growing portfolio, we’re here to support you with answers and advice.
    • Annual Reviews – Property values and rental markets change—so should your insurance. We offer regular policy reviews to keep your coverage aligned with your needs.
Multi-Family Property Insurance California

Ready to Protect Your Multi-Family Investment in California?

At Broadwater Insurance Agency, we’re here to help California property owners protect what matters. Whether you’re renting to families in a quiet suburb or students in a bustling college town, we can help you explore insurance options designed to support your long-term investment.

Reach out today  to learn more about multi-family property insurance in California.

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Headquarters

9421 Chapman Ave
Garden Grove, CA 92841

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