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Apartment building insurance

Insurance for the apartment building your tenants call home

Ting Insurance Services LLC is an independent agency that helps California apartment owners explore available insurance options for their buildings.

Tell us about your tenants, building repairs and rental income as we review your apartment building insurance options.

Get a quoteBook a call

Why work with us

  • Your building comes first. We take the time to learn how it is maintained and managed before we quote.
  • Plain answers. We explain what your current policy covers and what it leaves out, then discuss the coverage questions for the work you do.
  • We review what you have now. As part of every quote, we review the current policy and coverage documents you provide. That includes before your renewal.
  • Options from several insurance companies. As an independent agency, we look at options for your property.

What we look at before we quote

  • Building systems and past leaks. What do you know about the roof, plumbing and electrical systems? What caused past water losses, and what was repaired?
  • Tenant concerns and repair records. How do you track leaks, pests and other repair requests? Are any complaints or claims still open?
  • Construction and retrofit records. Is there open parking below living space, older concrete construction or completed strengthening work? Bring any engineering or retrofit records.
  • Fire checks. How are smoke alarms, cooking-safety information and sprinkler service handled?
  • Water checks. How are roofs, toilets and sprinkler leaks checked, and who knows where the water shut-offs are?

What happens next

  1. Tell us about your building. Start with the quote form or book a call.

    Have a current policy? Upload it in the quote form or email it to hello@tinginsurance.com. We review your current coverage.

  2. We review your request and contact you.

  3. We go through your options with you. We explain the differences and the questions to resolve before you choose.

Coverages apartment owners usually look at

The right coverage depends on the building, staff and policy terms. These are starting points for a conversation, not a package that includes every risk below.

  • Commercial package: Discuss property and liability coverage parts together, including what is left out.
  • General liability: Ask about tenant and visitor injury claims, plus exclusions for habitability concerns.
  • Workers' comp: If you have staff, discuss their maintenance and other duties with your agent.
  • Earthquake: A separate policy. Ask us about it, and have your retrofit records ready. Get a quote

Common causes of loss, and what helps

Common problems to check in an apartment building. The numbers are national or from one insurer's data. A cause on this list is not always covered; your policy decides.

Water damage (show details)
Leaks can show up in a ceiling far from their source. One housing insurer reported that water-related claims were its second most common property claim in 2023.

What to check:

  • Look beneath sinks, around water heaters and at lower-unit ceilings for dampness or stains.
  • Have roof drainage, gutters and HVAC drains checked for blockage or leaks.
  • Identify water shut-offs and make sure maintenance staff know their locations. Use qualified professionals for sprinkler concerns.
Cooking and other fires (show details)
A kitchen fire can affect more than the unit where it starts. Check that smoke alarms work, share cooking-safety information with residents and arrange qualified service for sprinkler concerns.
Wildfire (show details)
CDI’s LA County Wildfire Claims Tracker showed $25.2 billion in claims paid, updated July 6, 2026, for the 2025 Eaton and Palisades fires. It includes home, business, living-expense, auto and other disaster-related claims. CDI claims tracker Clear roof and gutter debris, and check for combustible material against exterior walls.
Earthquake (show details)
Open parking below apartments is a reason to check the building's retrofit records. Gather any engineering reports, city notices and completion documents. Ask about earthquake coverage separately.
Habitability concerns (show details)
Leaks, pests and repeated repair complaints need follow-through. Keep a dated repair log, with photos of completed work. Walk shared stairs and paths, and arrange repairs for loose rails, damaged surfaces or poor lighting. Ask about habitability exclusions when reviewing liability options.

Let's talk about your building

Tell Ting Insurance Services LLC about your building and the questions you want answered.

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