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California Apartment Building Insurance Policies

By Geraldine Hicks

California apartment building insurance is extremely important, if you want to protect your investment. You will need the right kind for your asset. So, you will want to search for a knowledgeable insurance agent in your area.

Your insurance agent will advise you that you need enough coverage to replace the entire building, in the case of a file or other type of loss. If you have insurance from a previous policy, you should make sure that it is updated to consider the higher costs of building materials and labor in this market. Then you can work on how to lower your premiums.

One way to make your payments lower would be to have a higher deductible. In the case of a loss, you will need to shell out more money initially. But on a monthly basis, your insurance will be more affordable.

If your record is pretty clean, you may be able to lower your monthly payments, as well. Having a good record with your insurance agency is a positive thing. They should consider this when putting together another policy, making sure that you are rewarded for your good record.

A newer apartment building will also mean lower monthly payments. So many things can happen with an older building. You may have roofing problems that causes leakage. You may have plumbing problems due to old, broken pipes. And the electrical system may need to be upgraded, as well.

Your apartment building coverage will not cover the personal belongings of your tenants. Therefore, you should always recommend that they have their own insurance coverage. In the event of a fire, your building will be covered by your insurance, but their items must be covered under another policy that they carry themselves.

You should be able to find a courteous, knowledgeable insurance agent in your area. He will know everything you need to consider when purchasing your California apartment building insurance. He will consider certain limits, the building coverage, and some deductible requirements. He will also consider your efforts against loss, such as smoke detectors and other preventative measures. This will help him figure out a fair premium. He will also consider your past coverage and any claims you might have had. Asking a lot of questions will enlighten you about the types of insurances that you may also consider for your property.

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Article Citation
MLA Style Citation:
Hicks, Geraldine "California Apartment Building Insurance Policies." California Apartment Building Insurance Policies. 14 Aug. 2010. 5 Apr 2016 <>.

APA Style Citation:
Hicks, G (2010, August 14). California Apartment Building Insurance Policies. Retrieved April 5, 2016, from

Chicago Style Citation:
Hicks, Geraldine "California Apartment Building Insurance Policies"

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