Apartments & Dwellings

Apartment Complex Insurance Policies in Colorado

Our WORLDS APART commercial residential habitational program is for apartments with 11-25,000+ rental units per policy on a BOP. Our program for apartments provides unique coverage options and flexible solutions for all of your client's needs. (See our Community Association section if you are looking for a habitational program for condos.)

We provide habitational programs for professionally managed properties:

  • Apartment Buildings (11 or more rental units)
  • Single & Multi-Family Dwellings (11 or more rental units)
  • Converted Housing
  • Student Housing
  • Independent Living Senior Housing
  • Affordable/Tax Credit/Public Housing We also can provide tax credit loss coverage!
  • Mixed Apartment/Office & Apartment/Mercantile Lessors Risk Occupancies
  • High rise
  • Rebuilding Cost: no cap/dollar limit! Other loss settlement options too. See brochure for overview.

Professional Property Management is key.

  • Any year construction if updated since 1980
  • 70% occupancy rate
  • Annual leases for all tenants
  • Mercantile/office exposures may be eligible - refer to underwriter
  • ELECTRICAL: No aluminum wiring, No knob & tube or fuses (unless Stype/fusestats)
  • No space heaters or alternative means of heating
  • No rooming houses
  • Out of state owners need a management firm for maintenance
  • No above ground swimming pools