BUILT TO PROTECT YOUR PROPERTY

Apartment insurance tailored to protect what matters:
your building, your tenants, and your bottom line.

WHAT WE OFFER

We provide tailored insurance solutions for apartment complexes, condos, and multi-family dwellings. Whether you’re a property owner, developer, or management company, our expert team works with top carriers to ensure your building, tenants, and business operations are fully protected.

COVERAGES WE RECOMMEND FOR APARTMENT OWNERS

Property Insurance

Covers the physical structure of your apartment building, including permanent fixtures, common areas, and essential equipment. This protection helps you recover quickly from damage caused by fire, weather, vandalism, or other covered events.

General Liability

Provides coverage if a tenant, visitor, or contractor is injured on the property. This protects you against lawsuits related to bodily injury, property damage, or medical expenses.

Loss of Rents

Replaces lost rental income if a covered event (like a fire or water damage) makes your units uninhabitable. This ensures your cash flow isn’t interrupted while repairs are underway.

Equipment Breakdown

Protects against the sudden failure of essential systems like HVAC units, boilers, elevators, or electrical panels. It covers repair or replacement costs and may help pay for lost income due to downtime.

2024 APARTMENT INSURANCE STATISTICS

Of apartment insurance claims are tied to preventable property damage

0 %

Average cost of a property damage insurance claim in apartment buildings

$ 1 K

Average number of days to fully resolve a complex insurance claim

0 days

Tips to Lower Risk at Your Apartment Property

Schedule Regular Inspections
Stay ahead of costly claims by routinely checking plumbing, electrical systems, roofing, and shared spaces for signs of wear or damage.
Install Smart Safety Devices
Equip your property with leak detectors, smoke alarms, and security systems to reduce risk and act quickly in emergencies.
Keep Walkways Safe and Well-Lit
Prevent slip-and-fall incidents by maintaining clean, well-lit common areas, especially stairways and entrances.
Maintain Detailed Maintenance Records
Keeping track of repairs, inspections, and upgrades helps during claim reviews and shows your commitment to proactive property management.
Review Your Coverage Regularly
As your property grows or changes, make sure your policy reflects your current risks and responsibilities.

Even with routine maintenance and experienced staff, unexpected damage, liability claims, or tenant-related losses can still happen. Having the right insurance coverage in place is essential for protecting your investment and keeping your operations running smoothly. Proper coverage helps you recover faster and minimize financial impact when the unexpected occurs.

At Swarts Manning, we help apartment owners and property managers navigate complex risks with tailored insurance solutions. Our team is here to make sure your buildings, tenants, and income are protected so you can stay focused on what matters most.

CONTACT US

Interested in learning more about the services we provide? Click the button below to contact an insurance professional today.