1. Full Building Coverage
From roofing and siding to HVAC units and stairways—we cover the bones of your investment.
Habitational & Apartments
Smart Insurance for Apartment Owners Who Think Ahead.
Your apartment buildings are more than just properties—they’re investments, income, and long-term assets. Protecting them with the right insurance isn’t just smart, it’s essential. From fire damage to tenant injuries, we offer customized coverage built specifically for landlords and apartment owners who want peace of mind and long-term security.
Who We Serve
We specialize in working with apartment owners and property managers at every level, including:
Owners of duplexes, fourplexes, & small apartment buildings
Owners of large apartment complexes
Property management companies & on-site managers
Multi-unit investors & landlords with growing portfolios
Real estate investors & LLCs managing rental income
Whether you own one building or several, we’ll help you build a protection plan that fits your needs and budget.
Why Specialized Coverage Matters
Owning residential rental property means dealing with everyday risks that can quickly become costly. A frozen pipe, a tenant slip-and-fall, or even a kitchen fire in one unit can disrupt your income and lead to major expenses. That’s why standard property insurance often falls short for apartment buildings—you need protection designed for rental risk.
2. Liability for Tenant Injuries
If a tenant or guest is injured on your property, you’re the one they may hold responsible.
3. Compliance & Licensing
Stay financially stable if your units become uninhabitable after a covered loss.
4. Coverage for Common Areas
Lobbies, hallways, laundry rooms—shared spaces need protection too.
5. Meeting Lender Requirements
We help ensure your coverage satisfies mortgage or financing obligations.
Recommended Insurance
What Kinds of Insurance Do Apartment Owners Need?
We offer tailored insurance packages built around the needs of landlords and property managers. Coverage options include:
Commercial Property Insurance
Protects the building and permanent fixtures from fire, wind, hail, vandalism, and other covered losses.
General Liability Insurance
Covers tenant or visitor injuries and property damage claims made against you.
Loss of Rental Income
Helps replace your income if a covered claim forces tenants to move out during repairs.
Equipment Breakdown
Protects essential systems like boilers, A/C, and elevators—especially helpful in larger or older complexes.
Tenant Discrimination Liability
Optional coverage that helps with legal expenses related to claims of wrongful eviction, discrimination, or tenant rights issues.
Sewer & Drain Backup
Covers water damage caused by backups in plumbing systems—common in multi-unit buildings.
Commercial Umbrella Policy
Adds extra liability protection beyond your general liability limits—ideal for owners with high-value properties or multiple locations.
