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Apartment Insurance Consultants
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Apartment Insurance Consultants
Contact Us
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Exclusive Apartment Programs

Over the last 30 years, AIC (Apartment Insurance Consultants) has built a reputation as a trusted wholesale broker specializing in the real estate industry. Our team of experts delivers tailored insurance solutions through a streamlined underwriting process designed specifically for apartment owners and managers. With our Exclusive Apartment Programs, you can access competitive rates, broad coverages, and fast quote turnaround for your clients with residential and mixed-use real estate portfolios.

Overview of the Exclusive Apartment Programs

Our Exclusive Apartment Programs are designed to meet the unique risk management needs of apartment complexes and similar real estate assets. By leveraging the power of group purchasing, we offer competitive pricing and comprehensive coverage options for properties with residential units, as well as ancillary commercial or retail components. This program is backed by A-rated carriers and written on a non-admitted basis, allowing for flexible and creative coverage solutions that go beyond what standard markets can offer.

Ideal Accounts and Target Classes

This program is an excellent fit for agents and brokers placing business in the following categories: • Apartment Owners and Property Managers
• Condominium Associations
• Real Estate Investment Groups
• Office Buildings (as part of a mixed-use schedule)
• Retail Strip Centers (associated with residential properties)
• Warehouses (when part of a multi-use portfolio) If you have a client with a small apartment complex that includes ground-floor retail tenants or a real estate investor managing mixed-use properties across multiple states, AIC’s program can deliver the protection and flexibility they need.

Coverage Highlights and Advantages

Our program provides broad protection for both property and liability exposures, including: • 110% Margin Clause
• Hired and Non-Owned Auto Liability
• Terrorism Coverage
• Building Ordinance or Law – Coverages A, B, and C
• Excess Liability
• Personal and Building Property
• Real Property
• Equipment Breakdown
• Hail, Windstorm, and Named Storm Damage
• Direct Physical Damage
• Demolition and Increased Cost of Construction
• General Liability These coverages are supported by stable, financially strong carriers, enabling you to offer your clients security, responsiveness, and long-term partnership.

Underwriting Notes and Program Flexibility

Our brokerage platform emphasizes transactional efficiency and underwriting creativity. We provide fast turnaround times for qualified submissions and work closely with brokers to tailor insurance packages that address the specific exposures of each property. Minimum premium requirements vary depending on account size and location. Reach out to our team to discuss your client’s needs and get a quote started.

States Available

This program is available in the following states: AL, AZ, AR, CA, CO, CT, DE, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY

Why Work With Apartment Insurance Consultants?

Our deep focus on the real estate sector enables us to understand the day-to-day challenges and long-term goals of apartment owners and managers. As a wholesale broker, we give agents access to niche markets, customized coverage options, and underwriting expertise that can make all the difference in placing hard-to-fit or non-standard risks. Whether your client manages a single mid-sized apartment community or a portfolio of mixed-use properties, AIC is your go-to partner for dependable, market-savvy insurance solutions.

Frequently Asked Questions

What types of accounts are a good fit for this program?

Apartment buildings, condominium associations, mixed-use properties with retail or office components, and real estate investment portfolios are ideal fits.

Is this program available nationwide?

The program is available in most U.S. states, including CA, TX, NY, FL, and many others. Contact us to confirm availability in your client’s state.

What coverages are included in the program?

Coverage includes property, general liability, hired and non-owned auto, equipment breakdown, ordinance or law, wind/hail/named storm, and more.

Can this program cover properties with mixed-use components?

Yes, the program accommodates apartment buildings with ancillary office or retail spaces.

Who are the carriers supporting this program?

We work with A-rated carriers to ensure financial strength and reliability for your clients.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Wholesale Broker
  • Admitted:
    0
  • Carriers:
  • Carrier Ratings:
    -
  • Commission:
    -
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

7000 N. Mopac Expressway, 250
Auston, TX 78731
800-880-7299
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Apartment Insurance Consultants has other insurance programs like Exclusive Apartments.