Apartment, condominium, and other multiple-residence property owners have specialized needs when it comes to finding comprehensive insurance coverage. Habitational property owners insurance protects your assets as well as offers options such as liability protection and loss of rental income for apartment & condo association owners.

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Laguna Niguel Apartment/Habitational Insurance


Typical Habitational Coverage Summary

Typical Property Coverages

Typical Basic Package Limits

Typical Enhanced Package Limits
Business Income (Rents)(Apts Only) $50,000* Actual loss sustained if building amount is $25M or less.
Association Fees & Extra Expense (condos Only) $100,000* $100,000*
Accounts Receivable $5,000* $5,000*
Arson Conviction Reward $5,000 $5,000
Building Ordinance or Law Cov. A—Covered
Cov. B—$25,000*
Cov. C—$10,000*		 Cov. A—Covered
Cov. B—$50,000*
Cov. C—$25,000*
Computer Equipment $5,000* $10,000*
Debris Removal Covered Covered
Equipment Breakdown Not Covered Included
Extended Replacement Cost Covered Covered
Fire Department Service Charge $1,000 $1,000
Fire Extinguisher Recharge $2,500 $2,500
Glass Included Included
Master Key $100/$5,000 $100/$10,000
Newly Acquired Buildings $250,000 $250,000
Outdoor Signs $2,500* $7,500*
Pollutant Cleanup $10,000 $10,000
Specified Property (Pools, Fences, Walls & Walkways) $2,500* $5,000*
Valuable Papers and Records $5,000* $5,000*

Crime Coverages

Basic Package Limits

Enhanced Package Limits
Employee Dishonesty $5,000* $10,000*
Money and Securities - Inside/Outside $5,000* $10,000*
Forgery and Alteration $2,500 $10,000

Liability Coverages

Limits
Premises/Operations
$500,000 per Occurrence
Products/Completed Operations
Included
Premises/Operation Aggregate:
2 x Liability and Medical Expense Occurance Limit
Products/Completed Aggregate:
1 x Liability and Medical Expense Occurance Limit
General Aggregate:
2 x Liability and Medical Expense Occurance Limit
Personal Injury
Included
Advertising Liability
Included
Contractual Liability
Included
Employees as an Insured
Included
Tenants Liability (Apt./Condo)
$75,000
Medical Expenses $5,000 per person/$25,000 per occurance
Parking Area Liability
Included
 
* Higher limits available