Personalized Insurance
Apartment Insurance
We provide comprehensive insurance solutions for apartment buildings ranging from 2 units to 100 units, including multiple locations.
If you own or operate an apartment building, landlord insurance (also known as rental property or dwelling insurance) is typically required — especially if you carry a mortgage.
Our apartment insurance programs help protect:
- The physical structure
- Rental income
- Your liability exposure
- Your growing business
We work with carriers that specialize in apartment risks and can tailor policies to fit small and mid-sized property owners.
📌 Quoting Requirements:
- Prior insurance information
- Current declarations pages
- 3–5 years Loss Runs
- Property details (year built, updates, roof age, etc.)
Who This Coverage is for
Apartment insurance is ideal for:
- Owners of duplexes and multi-family properties
- Investors with multiple locations
- LLC or corporation-owned properties
- Growing landlords hiring maintenance or property management staff
Coverage Options
Property Coverage
• Building structure protection (fire, storm, vandalism, etc.)
• Roof, HVAC, plumbing & electrical systems
• Appliances & landlord-owned furnishings
• Other structures (garages, sheds, storage units)
General Liability (GL)
• Protection if a tenant or visitor is injured
• Covers legal defense costs
• Settlement or judgment coverage
• Slip-and-fall claims
• Premises liability
Loss of Rental Income
If the building becomes uninhabitable due to a covered loss, your lost rental income can be reimbursed during repairs.
Tenant Damage Coverage
Covers accidental tenant damage (intentional damage may require additional endorsements).
Workers Compensation (Optional Add-On)
If you hire:
• Maintenance staff
• Property managers
• On-site employees
Workers Comp protects your business and meets state requirements.
Multiple Location Coverage
We can insure:
• Multiple apartment properties under one program
• Portfolio landlords
• Mixed property schedules
Contact Us
NEED INSURANCE? FIND COMPREHENSIVE INSURANCE PLANS HERE
Ready to find the insurance plan that’s a perfect fit for you? Central States Insurance Brokers is at your service. Give us a call now to speak with an expert.
