Apartment Insurance Coverage Types

24 coverage types designed specifically for apartment buildings and multifamily properties. Find the right protection for your portfolio.

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Property

Protects your building structure, common areas, and landlord-owned contents against fire, storms, vandalism, and other covered perils.

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General Liability

Covers third-party bodily injury and property damage claims arising from your apartment operations and premises.

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Loss of Rents

Replaces lost rental income when a covered peril makes units uninhabitable during repairs.

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Umbrella

Extra liability protection above your underlying policies for catastrophic claims.

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Workers' Comp

Covers medical benefits and wage replacement for employees injured on the job.

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Equipment Breakdown

Covers HVAC systems, elevators, boilers, and electrical panels when they fail.

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Flood

Flood coverage beyond NFIP limits for properties in flood-prone areas.

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Wind & Hail

Dedicated wind and hail coverage for properties in coastal and hail-belt regions.

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Earthquake

Coverage for earthquake damage in seismically active regions.

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Commercial Auto

Covers property management vehicles used for maintenance and operations.

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Crime & Fidelity

Protects against employee theft, forgery, and computer fraud.

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EPLI

Covers claims of wrongful termination, discrimination, and harassment by employees.

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Cyber Liability

Covers data breaches, ransomware attacks, and tenant data exposure.

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D&O

Protects board members and officers of HOAs, co-ops, and management companies.

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Ordinance or Law

Covers the cost of bringing buildings up to current code after a partial loss.

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Assault & Battery

Covers claims arising from violent incidents on your apartment premises.

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Animal Liability

Covers claims from pet-related injuries at pet-friendly apartment communities.

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Builder's Risk

Covers buildings under construction or major renovation against damage.

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Environmental

Covers cleanup costs and liability from environmental contamination.

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Tenant Discrimination

Covers fair housing violation claims and defense costs.

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Boiler & Machinery

Covers boilers, pressure vessels, HVAC systems, and hot water heaters against mechanical failure.

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Sewer Backup

Covers damage from sewer line backups, sump pump failures, and drain overflows excluded by standard policies.

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Professional Liability

Covers errors in lease administration, tenant screening, and property management operations.

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Inland Marine

Covers portable maintenance equipment, tools, and supplies in transit or at temporary locations.

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