Apartment buildings & multi-family CA · Edge · Hedge E&S
Hedge / Appetite / Apartment buildings & multi-family / California
● Edge in California, case by case / P&C

Apartment buildings & multi-family in California.

Frame and joisted masonry up to 4 stories. 10-250 units. Updated roofs win.

NAICS   531110 · 531311 · 531312
Also known as   habitational, apartments, multifamily, tenant-occupied, rentals, MDU

Wildfire score reviewed individually. Avoid 7+/10 unless built post-2010 with defensible space.

Submit a risk All states for this class
Coverage

What we'd quote.

Standard limits on a clean apartment buildings & multi-family submission. Excess towers structured on request.

Commercial Property $50M TIV / loc Commercial Property wholesale → General Liability $1M / $2M General Liability wholesale → EPL (HR-1 form) $1M agg EPL (HR-1 form) wholesale →
Sweet spot

Where this fits cleanly.

When the file matches this profile we quote without referral.

01 10-200 units, pitched roof, frame or JM
02 Roof replaced in last 15 years
03 Updated plumbing + electrical
04 Owner-occupied management
Submission

What we'll need to bind.

Pull these together with the file and we quote in hours.

  • 015-year loss runs, all property + GL
  • 02Statement of values with construction class
  • 03Roof age & last replacement date
  • 04Wiring (knob-and-tube? aluminum?)
  • 05Plumbing material & last update
  • 06Section 8 / HUD percentage if any
By state

Other states for this class.

Same class, different state. Each state page covers the verdict, limits, and any state-specific subjectivities.

Apartment buildings & multi-family in Florida
FL · Edge, case by case
Wind deductible 3-5% standard. Miami-Dade/Broward referred.
Apartment buildings & multi-family in Texas
TX · Edge, case by case
Coastal tier-1 referred individually.
Apartment buildings & multi-family in Louisiana
LA · Edge, case by case
Wind deductible required.
Related

Adjacent classes.

Often relevant to a submission in this class.

P&C Auto repair shops P&C Churches & religious institutions P&C Course of construction P&C Electricians
FAQ

Common questions.

Does Hedge write apartment buildings & multi-family in California?

Case by case in California. Wildfire score reviewed individually. Avoid 7+/10 unless built post-2010 with defensible space. The base appetite still applies. Send the file and we'll quote with the state-specific carve-outs.

What's different about apartment buildings & multi-family in California?

Wildfire score reviewed individually. Avoid 7+/10 unless built post-2010 with defensible space. That's the carve-out brokers need to know about up front. Everything else mirrors the base apartment buildings & multi-family appetite. See the Submission section for the full list.

What limits will Hedge offer on apartment buildings & multi-family in California?

Commercial Property to $50M TIV / loc; General Liability to $1M / $2M; EPL (HR-1 form) to $1M agg. Excess towers are structured on request. State-specific carve-outs (e.g. CA California wind / wildfire / labor-law endorsements) priced individually.

· LAST REVIEWED   2026-05-19    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671