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Apartment Insurance Consultants

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Program Details -

Coastal Habitational Property Program: Apartments & Condominiums


Eligible Classes of Business: 

  • Apartments
  • Condominiums

Ineligible Classes of Business: 

  • Fraternities/Sororities
  • Assisted Living
  • Museums
  • Bed & Breakfast   

Specific lines/coverages

Coverage Highlights! Building and Personal Property and Replacement Cost - No-Coinsurance, 110% Margin Clause Permits Loss Payments to Exceed Blanket Scheduled Limits for Each Location, Building Ordinance or Law Coverage A, Extended Period of Indemnity for Loss of Rents and 365 Days, Demolition and Increased Cost of Construction and $5M, General Liability Limits and $1M/$2M, Non-Owned and Hired Auto Liability and $1M, Excess Liability Options $5M, $10M & $15M, Boiler and Machinery and $10M, Real Property Including Fences, Carports, Signs, Storage & Pools

Attractive Deductibles! All Risk of Direct Physical Damage and $10K Per Location Per Occurrence, Non-Named Windstorm & Hail and $50K Per Location Per Occurrence, Equipment Breakdown and $10K Per Location Per Occurrence, Terrorism and $10K Per Location Per Occurrence, $0 General Liability Deductible

Premium requirements

We prefer that locations not have less than $1M total insurable value; however, exceptions are made for small locations that are part of a larger multi-location schedule.

State Availability

See states listed below


Amanda Shoffner
Apartment Insurance Consultants, LLC
Phone: (512) 467-7299
Fax: (512) 452-7288

Locations Served : Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Washington,D.C., Delaware, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming