Apartment, HOA, and Property Management Insurance in California
Coverage built for apartment owners, HOAs, and property managers
From a local Farmers agency in Ontario, serving the Inland Empire and all of California.
Call (909) 972-0699 or get a free quote below.
Get My Free QuoteApartment buildings, condo associations, and property management companies carry a lot of risk in one place: the building itself, tenants and guests on the property, and the rental income that keeps everything running. We help Inland Empire owners, HOA boards, and managers put the right protection in place.
Who we cover
- Apartment complex owners
- Duplex, triplex, and fourplex owners
- Condo and townhome HOAs
- Property management companies
- Mixed-use building owners
Coverage to consider
Building and property
Covers the structure, common areas, and owner-provided equipment against covered losses like fire and wind.
General liability
Protects you when a tenant, guest, or vendor is injured on the property and holds you responsible.
Loss of rents
Replaces rental income while units are unlivable after a covered loss.
HOA directors and officers
Protects HOA board members from claims tied to board decisions.
Umbrella
Adds extra liability limits on top of your primary policies.
Workers' comp
Required if you have employees such as on-site managers or maintenance staff.
Coverage options, limits, and eligibility vary by carrier and are subject to underwriting. We'll match you with the right options from the carriers available to our agency.
Common risks we help you plan for
Slip-and-fall claims in parking lots and stairwells, water damage between units, fire spreading across shared walls, and months of lost rent after a major loss are the claims we see most often with habitational properties.
Why work with a local agent
Our office is at 3602 Inland Empire Blvd #C330, Ontario, CA 91764, so you can sit down with us in person or handle everything by phone and text. We review your operations, explain your options in plain language, and help when it's time to file a claim.
3602 Inland Empire Blvd #C330, Ontario, CA 91764
Office hours: 9:00 to 5:30
Phone: (909) 972-0699
Areas we serve
We work with apartment owners, HOAs, and property managers throughout the Inland Empire, including Ontario, Rancho Cucamonga, Chino Hills, Chino, Upland, Fontana, Montclair, and Eastvale, and across California.
Related coverage
Frequently asked questions
Does my HOA master policy cover individual units?
It depends on the policy type. Some master policies cover only the structure and common areas, leaving unit interiors to each owner's condo policy. We can review the CC&Rs and master policy with you.
What is loss of rents coverage?
It replaces rental income you lose while units can't be occupied after a covered loss like a fire.
Do property managers need their own insurance?
Yes. Property management companies usually need their own general liability and often professional liability, separate from the owners' building policies.
Do you serve businesses outside Ontario?
Yes. Our office is in Ontario, and we serve businesses throughout the Inland Empire and across California.
Get your free quote
Farmers Insurance, Young Douglas. CA License #4091974. Coverage, discounts, and eligibility vary and are subject to underwriting.
Disclaimer
Farmers Insurance - Young Douglas provides home, auto, life, and commercial insurance products independently. References to mortgage brokers, real estate agents, or other professionals are for convenience only and do not imply a referral arrangement or financial affiliation.