Property
Habitational and commercial property
Insurance for apartment buildings, mixed-use properties, associations, commercial buildings, and property portfolios.
Property insurance depends on an accurate account of the building, its occupants, its values, and how it is maintained.
Who this covers
- Apartment and multifamily buildings
- Mixed-use buildings
- Condo and co-op associations
- Commercial buildings
- Property portfolios
What underwriters look at
- Building coverage and business personal property (equipment, furnishings, and other property owned by the business), when applicable
- Loss of rents or business income (income interrupted after a covered loss)
- Premises and operations liability (claims arising from the property or business operations)
- Equipment breakdown (coverage for certain mechanical or electrical failures) and ordinance or law (coverage for certain code-upgrade costs after a covered loss)
- Water, wind, fire, crime, and protective safeguards (alarms, sprinklers, or other required protections)
Common questions
Is every building placed the same way?
No. Construction, occupancy, protection, location, loss history, values, and what each insurer will accept can change the available coverage and terms.
Can one policy cover a portfolio?
Sometimes. Multiple properties may be listed on one policy or separated by entity, location, or insurer. The right arrangement depends on what each insurer accepts and how the properties are owned.
Start a conversation
Tell us about the building or portfolio.
Share the details and current coverage you already have. We’ll tell you what else is needed.