"Our success is not because of the coverage we offer. It's because of the people who write the policies."

Habitational Insurance

Commercial Apartment and Condominium Buildings
Available on an admitted and non-admitted basis


  • Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Utah and Washington


  • Property
  • General Liability
  • Crime
  • Hired and Non-Owned Auto


  • Special Form/Agreed Amount/Replacement Cost Valuation
  • Capacity: $20,000,000 per location
  • No age restriction
  • All construction Types
  • Protection Class 1-9
  • Deductibles: $2,500 – $100,000

General Liability

  • $1,000,000 Per Occurrence
  • $2,000,000 General Aggregate
  • $1,000,000 Products & Completed Ops
  • $1,000,000 Personal and Advertising Injury
  • $50,000 Fire Damage Legal
  • $5,000 Medical Payments

Contact: Commercial Department

Direct: 949-488-2255 / 800-488-4096 / Fax: 949-488-2259
Send submission to: CL@kinginsuranceca.com

Habitational Insurance

When selling habitational insurance coverage for owners of condos, apartment buildings and other multi-unit dwellings, one of the crucial mistakes an agent or broker can make is assuming that all equipment-breakdown coverage is alike:

  • Boiler and Machinery coverage requires safety inspections to be done, and some carriers, to differentiate themselves, are offering a high-tech freebie: thermal imaging, which allows building owners to find hotspots in electrical equipment by virtually seeing what’s going on behind the walls.
  • Some insurance companies are trying to differentiate themselves in this arena by offering policy enhancements or endorsements to provide free equipment upgrades that would allow a habitational property to get certification as a “green” or LEED certified building—at no extra cost.
  • King has both the experience and the access to the broad range of insurance products we are able to offer. When it comes to habitational insurance experience matters and we have that experience.
  • Whether you have a single small building or a number of large buildings with hundreds of units King has the experience to evaluate your risk and provide options. We have a broad network of insurance companies which have the specialty insurance programs to meet your needs.
  • If your business has multiple-location dwellings, you may benefit by using a loss limit approach to your insurance program rather than a simple blanket limit approach. If you would like more information about this strategy and other creative solutions that can keep your insurance costs down, while ensuring you have the right coverage, we would welcome the opportunity to speak with you.
  • We are able to offer competitive pricing; we take the time to understand your needs before making any recommendations. Often times we are able to save our clients on their premiums simply by presenting different options.
  • Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies.
  • When an insured is liable to someone, the insured’s primary insurance policies pay up to their limits, and any additional amount is paid by the umbrella policy (up to the limit of the umbrella policy).