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Apartment Insurance Consultants
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Apartment Insurance Consultants
Contact Us
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Exclusive Apartments

AIC has been a trusted provider to the real estate industry for over 30 years.

With decades of dedicated focus and expertise, Apartment Insurance Consultants (AIC) has developed a strong niche within the multifamily housing sector. Our Exclusive Apartment Programs are tailored to meet the unique needs of property managers and owners of mid-sized to large apartment buildings. We understand the complex risks involved in managing residential rental properties and provide agents with the tools and coverage options necessary to protect their clients’ investments. Whether your client owns a newly developed property, an older apartment complex, or a portfolio of multifamily assets, we offer flexible and competitive solutions. We write business through:
• Newly Created Programs
• Our Own Proprietary Programs
• Access to Other Specialized Programs
• Open Market Placements for Advantageous Terms

Ideal Accounts and Appetite

Our Exclusive Apartment Programs are best suited for mid-sized to large apartment complexes located in urban, suburban, or high-demand markets. We work well with:
  • Apartment portfolios with multiple locations
  • Properties with 20+ units
  • New construction or recently renovated buildings
  • Owners and managers seeking comprehensive habitational coverage
You might have a client expanding their portfolio in the Midwest or a management company overseeing multiple properties across the West Coast—both are excellent fits for our program.

Coverage Highlights and Advantages

Our programs offer robust coverage enhancements designed specifically for habitational risks: • Blanket Limits Per Location
• Boiler and/or Machinery Equipment Breakdown
• Replacement Cost Valuation
• Backup of Sewers and Drains
• 110% Margin Clause
• Agreed Amount Endorsement
• Terrorism Coverage
• Building Ordinance or Law Compliance
• No Coinsurance Clause
• Extra Expense and Accounts Receivable
• Actual Loss Sustained Rental Income (Time Element)
• Preferred Pricing in West Coast and Midwest States
These features help protect against common and complex exposures such as water damage, ordinance updates, and loss of rental income due to covered losses.

Underwriting Notes and Submission Process

Once you submit a complete application, our experienced underwriters move quickly to develop a competitive quote tailored to your client’s risk profile.
*Please note: Turnaround time depends on the size, location, and complexity of each submission.
We work with A-rated carriers on a non-admitted basis, giving us the flexibility to craft solutions outside the traditional admitted market when needed.

Territories and Availability

Our Exclusive Apartment Programs are 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?

AIC is a wholesale broker with a singular focus on the apartment industry. Our longevity in the space, combined with our exclusive programs and market access, gives agents a competitive edge. We bring national reach, underwriting expertise, and a responsive service team to every account. Let us help you find a custom solution that protects your client’s assets while providing competitive pricing and comprehensive coverage.

Frequently Asked Questions

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

Our program is ideal for mid-sized to large apartment complexes, including portfolios and properties with 20 or more units.

Is this program available in all states?

No, but it is available in over 45 states including CA, TX, NY, IL, FL, and many others. Contact us for state-specific eligibility.

What coverages are included in the Exclusive Apartment Program?

Coverages may include General Liability, Excess Liability, Commercial Property, Equipment Breakdown, Replacement Cost, and more specialized enhancements.

Are submissions handled quickly?

Yes, once we receive a complete submission, our team begins the underwriting process immediately. Turnaround depends on the property's size and complexity.

Can you assist with hard-to-place risks?

Yes, we can access open market placements when it benefits your client and provide flexible solutions for complex or non-standard properties.

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 Apartment Programs .