Apartment Building & Landlord Insurance 

Apartment Building Insurance in Los Angeles, CA

Landlord Coverage That Keeps Your Property – & Income – Protected

If you own an apartment building or rental property in Los Angeles, having the right insurance isn’t optional—it’s essential. From older duplexes in Mid-City to multi-story apartment complexes in Koreatown, your building faces unique risks: tenant injuries, fire damage, lost rent from uninhabitable units, and more.



At Derian Insurance, we specialize in apartment building insurance in Los Angeles, helping landlords and property investors across California protect what they’ve built. With over 55 years of experience, we know how to navigate the habitational insurance market and build smart, affordable coverage tailored to your property.

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What Coverage Does a California Landlord Need?

Managing rental property means managing risk. Here’s what we typically recommend for landlords and apartment owners:

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Commercial Property Insurance

Covers damage to the structure (and sometimes permanently installed systems) from events like fire, storms, vandalism, or burst pipes.

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General Liability

Protection if a tenant or visitor is injured due to something like a broken stair or slippery walkway.

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Loss of Rents

Reimburses lost income when a covered loss (like fire) forces tenants to move out during repairs.

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Umbrella Insurance

Adds an extra layer of liability coverage beyond your base policy—especially important if you own multiple units.

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Equipment Breakdown

Helps repair or replace HVAC, boilers, and other essential systems that break due to mechanical failure—not typically covered under property insurance.

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Ordinance or Law Coverage

Covers the cost of bringing your building up to current code after a loss. Crucial for older buildings across LA.

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Earthquake Insurance

Not included in standard property policies. Available as an add-on—strongly recommended for Southern California landlords.

Not sure what you need? We’ll break it down and explain the pros and cons of each option based on your building’s size, location, and tenant profile.

Why Property Owners Across LA Trust Derian Insurance

From fourplexes in West LA to multi-building properties near USC, habitational coverage is one of our specialties. We’ve worked with landlords for decades and understand what it takes to stay compliant, insured, and profitable.


With Derian, you’ll get:

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Access to top-rated carriers

offering specialized landlord policies

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Clear guidance

on earthquake, flood, and ordinance coverage

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Responsive help during claims

especially in high-stakes situations like fires or tenant displacement

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Annual policy reviews

to ensure your coverage reflects your property’s current value and occupancy

And because we’re an independent agency, we’re not tied to one company—we’ll shop the market to get you the best coverage at a fair price.

Landlord Insurance FAQs

  • Is landlord insurance the same as homeowners insurance?

    No. Landlord policies (especially for 5+ units) are commercial insurance products. Homeowners insurance is for owner-occupied properties only.

  • Do I need insurance if my tenants have renters insurance?

    Yes. Renters insurance only covers tenant belongings and liability. You still need coverage for the building itself, your liability as the owner, and potential loss of rental income.

  • Will insurance cover tenant-caused damage?

    Accidental damage (like a fire) is often covered, but intentional damage usually isn’t. We’ll review exclusions with you.

  • How much does apartment building insurance cost in Los Angeles?

    Pricing depends on age of the building, number of units, security features, location (quake/flood/brush zones), and your claim history.

  • Can I insure a vacant rental property?

    Yes. We offer Vacant Building Insurance for temporarily unoccupied properties and Builder’s Risk coverage if you’re renovating.

  • Is earthquake insurance worth it in LA?

    Standard property policies exclude earthquake damage. While not mandatory, quake coverage is strongly recommended in Southern California.

Protect Your Investment with a Custom Policy

Your apartment building is more than real estate—it’s a source of income and long-term value. Don’t leave it exposed.



Contact Derian Insurance today for a personalized quote on landlord insurance in Los Angeles and across California. We’ll help you find the right coverage to meet city code, protect your investment, and keep rent income flowing—no matter what comes your way.