Apartment Buildings Habitational Insurance

Apartment Buildings are commercial properties typically owned by a single owner or entity.  These rental buildings either contain more than four residential units under one roof or may comprise of several apartment buildings in the same land complex.

Who needs it?

Owners, managers and operators of habitational real estate properties require Apartment Buildings Habitational Insurance.

They have an obligation to maintain their property and ensure the safety of tenants, visitors and maintenance staff.

Apartment Buildings Habitational Insurance may include the following coverages:

  • Commercial Building Property Insurance
  • Commercial General Liability Insurance or Landlord Insurance
  • Loss of Business Income Insurance
  • Equipment breakdown Insurance
  • Workers’ Comp
  • Commercial Auto Insurance
  • Surety Bond

Disputes between landlords and tenants are common and could arise at any time over maintenance issues, and safety concerns.  When negotiations fail and communication breaks down, tenants may file claims and take landlords to court. 

Apartment Buildings Habitational Insurance offers financial protection and pays for attorney fees and settlement of claims.

Amwins Underwriting
Apartment / HOAs / Commercial LRO

For more than 20 years, SPFM (an Amwins company) has provided creative package insurance solutions for property owners and managers of commercial and residential real estate, including apartments, HOAs, mixed-use, and commercial LRO through the ...
USG Insurance Services, Inc.
Habitational Insurance

USG Insurance Services, Inc. is a national wholesaler and managing general agent (MGA) with 18 offices across the country and the ability to write in all 50 states. Built from the ground up by some of the top executives in insurance, USG continues to...
Program Brokerage Corporation
Residential Real Estate Insurance

The real estate industry is one of PBC's strongest specialties, helping to make it one of the Top MGAs in the U.S. As the first company to offer Purchasing Group Programs for residential co-ops, condominiums and rental buildings, our residential rea...
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Further Reading 
Something many a landlord has pondered: Do I need to buy habitational insurance if I don't actually have any renters living in my apartment and condominium complexes right now? If you're doing renovations, if you're just sitting on the property right...
Running a rental business brings its own unique risks and challenges. You're not just responsible for your property, your apartment and condominium complexes, you're also responsible for the people who live in them. Habitational insurance combines el...
When you're excited to move into the perfect apartment or need a new home fast, you may overlook key red flags about a potential apartment or landlord. Learn more about apartment rental scams and how to avoid them before you sign your next lease. ...
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