Property damage, tenant liability, loss of rents β apartment owners need coverage that protects their asset and their cash flow. We place policies that actually pay when it counts.
Placing coverage for apartment owners from single four-plexes to large portfolios.
6
Carriers Compared
We find the right carrier for your property type, location and history.
7
States Licensed
One agency for your entire portfolio across all 7 states.
1hr
Quote Response
Submit now — a specialist calls you within the hour.
What We Write
Every Coverage You Need — Written Right the First Time
Most business owners find out they're underinsured when a claim gets denied. We make sure that never happens to you.
β οΈ Most Criticalπ°
Loss of Rents
A fire makes 10 units uninhabitable for 3 months. Your mortgage doesn't stop. Loss of rents pays the rental income you lose while repairs happen — most landlords don't have this until they need it.
β οΈ Often UnderinsuredποΈ
Property Insurance
Construction costs have surged. Most apartment owners are insured well below replacement cost. We make sure your building is properly valued before a major loss exposes the gap.
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General Liability
Tenant and visitor injuries, slip and falls in common areas — limits sized for your number of units.
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Umbrella / Excess Liability
For larger portfolios, umbrella coverage adds critical protection above your primary limits at a fraction of the cost.
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Equipment Breakdown
HVAC failures, boiler issues, elevator breakdowns — covers repair costs and lost rents from mechanical failures.
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Crime Coverage
Employee dishonesty, theft of building materials, vandalism — standard property policies often exclude this.
Licensed Across 7 States. One Call Covers All Your Locations.
Own properties in multiple states? We handle everything under one roof.
TexasCaliforniaFloridaArizonaGeorgiaWashingtonWashington DC
Independent means we work for you — not the carriers.
Hartford
Travelers
Lloyd's of London
Hiscox
Progressive
Guard
Real Questions. Straight Answers.
Business Owners Ask Us These Every Day
My building has had water damage claims. Can I still get covered?
Yes. Prior water damage is common and manageable with the right presentation. We work with carriers that specialize in properties with loss histories.
Do I need commercial insurance or can I use a landlord policy?
For 5+ units, you need commercial property insurance. Landlord policies have lower limits and inadequate loss of rents coverage for investment-scale properties.
Can you cover my properties across multiple states?
That's our specialty. Licensed in 7 states. We regularly place multi-state portfolios under a single master policy — better pricing, one agency for everything.
How much should I insure my building for?
Replacement cost — what it costs to rebuild at today's construction prices. Not market value. Most owners are significantly underinsured. We'll review your current coverage.
How fast can I get a quote?
Call or text (469) 983-2600. We can have options for most apartment accounts the same business day.
Should I require renters insurance from my tenants?
Yes — make it a lease requirement. It keeps tenant losses from becoming your losses.
Licensed in 7 States
Apartment Insurance by State
Own properties in multiple states? We handle everything under one roof.