Multifamily & Apartment (Habitational) Insurance
Habitational property, liability, and umbrella for owners and operators of 50 to 10,000+ units.
No property class got repriced harder than multifamily. Premiums rose more than 75% between 2019 and 2024, carriers pulled capacity, and most standard markets quit writing apartment general liability altogether. So renewals now show up with a percentage wind/hail deductible you never agreed to and an assault-and-battery sublimit buried in the forms. If your program has been non-renewed, re-rated, or quietly rolled over with the same carrier every year, you are probably overpaying. We rebuild it from scratch and take it to the habitational markets that still want the business.
Who this is for
Built for accounts like yours
What we structure
Habitational property
Building, business personal property, and loss of rents, valued so a coinsurance clause can't cut your claim check.
General liability
Premises liability built for apartments: assault and battery, animal liability, habitability. The exposures standard forms now exclude or cap.
Real estate umbrella / excess
Layered excess towers to $100M+ when the portfolio or the lender requires it.
Catastrophe & deductible solutions
Wind/hail and named-storm structures, deductible buy-downs, and parametric or captive options where the standard market has walked.
Common questions
Why did my apartment insurance premium jump so much?
Because the whole class got repriced. Between 2019 and 2024 carriers absorbed heavy catastrophe losses, capacity left habitational, and even clean accounts took large increases plus new wind/hail deductibles and exclusions. Here's the part that matters now: plenty of owners are still paying that hard-market rate when better terms exist. A full remarketing usually proves it.
Can you help if my carrier non-renewed me?
Yes. Non-renewals are routine in this class, and they almost never mean the property is uninsurable. They mean the account needs to go to specialist habitational and surplus-lines markets, presented well enough that an underwriter can say yes. We market it broadly and structure it to get there.
How large of a portfolio do you handle?
We work on accounts with roughly $50,000 and up in annual premium. That runs from a single large community to portfolios of 10,000+ units across several states.
Get started
Talk to a multifamily & apartment specialist
Send us the current program, or just the renewal date. We'll tell you whether the structure, the pricing, or the coverage can be beaten. Built for accounts with $50,000+ in annual premium.
- A second set of expert eyes on your program, free.
- Marketed to the carriers that actually want your risk.
- No obligation, fully confidential.