Residential Apartment Buildings
Apartment Building Insurance
Coverage for the building, the liability, and the rental income — placed with carriers that actually write residential apartment risk.
What we cover
Apartment building insurance, built around habitational risk
Apartment Guard Insurance places coverage for residential apartment building owners through Wexford Insurance, LLC, an independent agency. We write the building, the owner’s liability for what happens on the property, and the rental income that building produces — the exposures a generic commercial policy tends to handle poorly.
We write residential apartment buildings of many sizes and ownership structures, including mixed-use buildings with ground-floor commercial space. Our focus stays on the residential building itself — the structure, its common areas, and the people who live there.
Apartment buildings we insure
Garden-style apartments
Low-rise, multi-building communities with surface parking and shared grounds.
Mid-rise buildings
Elevator buildings with interior corridors and on-site common areas.
High-rise buildings
Taller structures where life-safety systems and equipment breakdown matter most.
Small multifamily
Owner-held residential buildings, from a single property to a growing portfolio.
Coverage lines
The coverages behind an apartment program
General Liability
Liability protection for apartment building owners — bodily injury and property damage claims arising from the building, its common areas, and premises operations.
Learn more →Property Insurance
Building and physical-asset protection for apartment properties, including business income (rental income) and equipment breakdown as covered sub-sections within this coverage.
Learn more →Tenant Discrimination
Defense and liability protection for fair-housing and tenant-discrimination allegations brought against apartment building owners and their management.
Learn more →Frequently asked questions
What is apartment building insurance?
Apartment building insurance is commercial coverage for the owner of a residential rental building. It protects the structure, the owner’s liability for injuries on the property, the rental income the building produces, and related exposures such as equipment breakdown and tenant-discrimination claims.
What does an apartment building policy typically include?
Most programs combine property coverage on the building, general liability for injury and property-damage claims, business income to replace lost rent after a covered loss, equipment breakdown, and tenant-discrimination liability. The exact structure depends on the building and how it is operated.
Which apartment buildings can you insure?
We place coverage for residential apartment buildings of many sizes and ownership structures, from garden-style and mid-rise properties to high-rise buildings. Eligibility depends on factors like construction, age, and prior claims rather than a fixed unit count.
In which states is Apartment Guard Insurance available?
We are licensed in 48 states — every state except Hawaii and Alaska. Coverage is placed through Wexford Insurance, LLC, an independent agency, so we can match your building to a carrier whose appetite fits your state and property type.
How are apartment insurance premiums determined?
Pricing is driven by the building itself — construction type, roof and system age, location and catastrophe exposure, occupancy, security and loss-prevention measures, and your claims history. An agent reviews these factors and markets your building to carriers that write the class.
How do I get an apartment building insurance quote?
Start the quote form or call the agency directly. A CPCU-credentialed broker reviews your building, identifies the carriers most likely to write it, and returns options for general liability, property, and tenant-discrimination coverage.
Who we are
An independent agency focused on apartment buildings
I built Apartment Guard Insurance because habitational risk gets underwritten very differently from a strip mall or an office. We focus on one thing — placing residential apartment buildings with carriers that actually want the class.
— Nate Jones, CPCU, Founder
Apartment Guard Insurance is the apartment-building specialty brand of Wexford Insurance, LLC, founded by Nate Jones, CPCU. Our apartment building panel is made up of the 17 carriers we hold appointments with and actively place this class through today: Travelers, Liberty Mutual, West Bend, Penn-America, Crum & Forster, Attune, Berkshire Hathaway Homestate, Cincinnati, Crosscover, Encova, Goodville Mutual, Berkshire Hathaway GUARD, The Hartford, Honeycomb, Ohio Mutual, Secura, Westfield. We review that panel regularly and adjust it as carrier appetite shifts.
Apartment Guard Insurance is a DBA of Wexford Insurance, LLC. Verify our license through the National Insurance Producer Registry (NIPR) under NPN 19887690.
Get an apartment building insurance quote
Tell us about your building and we will market it to carriers that write the class.