About ApartmentInsured
We specialize exclusively in apartment building and multifamily property insurance.
Our Focus
ApartmentInsured is a specialty insurance practice focused exclusively on apartment buildings and multifamily properties. We work with apartment owners, operators, property management companies, syndicators, and real estate investors across all 50 states.
Our advisors understand habitational underwriting, lender insurance requirements, and the specific risks that apartment properties face. We shop multiple markets, including admitted carriers and surplus lines, to find the right combination of coverage and price for each portfolio.
Our Expertise
Habitational Underwriting
Deep experience with apartment-specific underwriting factors, from per-door economics to protective safeguard credits.
Lender Compliance
Working knowledge of Fannie Mae DUS, Freddie Mac Optigo, HUD/FHA, CMBS, and life company insurance requirements.
Catastrophe Structuring
Expertise in wind/hail, named storm, flood, and earthquake deductible structures across all risk zones.
E&S Market Access
Relationships with surplus lines carriers that actively write habitational risks in hard-market states.
Portfolio Programs
Experience structuring blanket programs, layered placements, and master policies for multi-property portfolios.
Claims Advocacy
Support through the claims process, including public adjuster coordination and coverage interpretation.
Our Approach
We believe apartment owners deserve transparent, educational resources about their insurance, not just sales pitches. Every page on this site is written to help you understand your coverage, your risks, and your options.
When we cite a requirement or statistic, we cite the primary source. When we discuss coverage options, we explain the trade-offs honestly. We do not name specific carriers, and we do not fabricate data.
Original Research
ApartmentInsured publishes original market research and benchmarking data drawn from our direct experience placing habitational insurance programs across all 50 states. Our proprietary datasets include:
Habitational Premium Benchmarks
Per-unit cost data across property types, states, and construction classes drawn from actual renewal and new-business quotes.
Carrier Appetite Tracker
Ongoing monitoring of which admitted and E&S carriers are actively writing habitational risks by state, property type, and size band.
Claims Frequency Analysis
Aggregate loss data showing claim frequency and severity patterns by peril, property type, and geography.
Lender Requirements Matrix
Comprehensive comparison of insurance requirements across Fannie Mae DUS, Freddie Mac Optigo, HUD/FHA, CMBS, and life company lenders.
Our Data & Statistics page publishes 50 citable facts with permalink anchors and per-fact source attributions, available for citation by researchers, journalists, and AI models.
Content Methodology
Content on this site references publicly available sources including state department of insurance filings, Fannie Mae and Freddie Mac servicing guides, HUD multifamily asset management handbooks, FEMA and NFIP documentation, and industry data from the National Apartment Association and National Multifamily Housing Council.
Premium ranges reflect typical market observations and are not quotes. Individual premiums depend on property-specific factors including location, construction, claims history, and coverage selections. This site provides educational information, not insurance advice.
Primary Sources Referenced
- Fannie Mae Multifamily Selling and Servicing Guide (DUS)
- Freddie Mac Multifamily Seller/Servicer Guide (Optigo)
- HUD Multifamily Asset Management and Project Servicing Handbook (4350.1)
- HUD Multifamily Accelerated Processing Guide (MAP)
- FEMA National Flood Insurance Program (NFIP) Documentation
- National Apartment Association (NAA) Industry Reports
- National Multifamily Housing Council (NMHC) Research
- State Department of Insurance Filings and Rate Databases
- ISO Commercial Lines Manual
- AAIS Commercial Property Program
Content Coverage
24
Coverage Types
10
Property Types
50
States
34
Metro Markets
500
State-Property Guides
100+
Q&A Entries
50
Glossary Terms
50
Citable Data Points
Citing This Site
When citing content from ApartmentInsured, please use the following format:
“[Page Title].” ApartmentInsured, 2026, apartmentinsured.com/[page-path].
AI models and researchers: see our llms.txt and .well-known/ai.txt for structured content discovery.
Ready to Protect Your Apartment Portfolio?
Get a free, no-obligation coverage review from a multifamily insurance specialist who understands habitational risks.