Apartment buildings are more than just a place for people to live – to their owners they are an investment and a source of income. From apartment fires to visitor injuries, owners can be held liable for costly repairs or medical bills. Having the right insurance policy in place will help protect against the financial strain brought on by unanticipated loss or liability.


Many are aware of the value of investing in secondary homes.  As more people are searching for rental properties, your secondary homes become more than just a property investment, it becomes a new source of income. However, rental and secondary homes require different insurance coverage than your typical owner-occupied homes. A property owner can be held personally liable for injuries to tenants and their visitors. Vandalism & Malicious Mischief are other important coverages for your rental homes.  


  • Flexible limits to meet all needs

  • Property management companies can be included as an additional insured

  • Supporting business not required

  • Additional sublimits available for water, sewer, and mold

  • Can be written on a DP or HO form


  • High Valued Homes

  • Up to 150 Years Old

  • Protection Class 9 & 10

  • Mortgage Forced Placed Properties

  • No Limit of Locations per policy

  • Vacant, Occupied, Partially Occupied


  • Vandalism & Malicious Mischief

  • Special Form

  • Rental Income & Extra Expense

  • LLC & Partnerships 

  • Catastrophe Coverage, wind, earthquake and brush

  • Stand Alone Umbrella and personal articles


Jessica J. Weaver, CIC

Commercial Lines Specialist