Multi-Family & Apartment Building Insurance

Managing duplexes, apartment buildings, or other multi-family properties comes with unique challenges — from tenant satisfaction to maintaining safe and secure living spaces. At Rowell Insurance Services, we specialize in protecting multi-family properties of all sizes. Whether you own a duplex, triplex, or small apartment complex, we’ll help you build a policy that protects your investment, your tenants, and your peace of mind. 

 

After assessing your property’s specific needs, we can craft a tailored insurance portfolio that may include:


  • Property coverage 
  • General liability (including shared spaces like pools, playgrounds, and parking lots) 
  • Auto liability and garagekeepers coverage 
  • Umbrella or excess liability protection 
  • Natural disaster protection (floods, earthquakes, etc.) 
  • Sewer and drain backup coverage 
  • Property manager liability 
  • Workers' compensation for on-site employees

What Qualifies as a Multi-Family Property?

Multi-family dwellings include any residential property that houses more than one family — such as duplexes, triplexes, and small apartment buildings. Whether you live on-site or not, insurance coverage tailored to multi-family buildings is crucial.

Do I Need Property Insurance?

If you own a building, you need property insurance. But if you own a building with multiple units or tenants, standard coverage isn’t enough. Multi-family properties come with added risks like tenant injuries, liability for shared spaces, and structural damage from weather or wear-and-tear. Our team understands those risks and will help ensure you’re fully protected.

What is a Condo Master Policy?

For condo associations, a master policy provides coverage for the building’s structure and shared areas. This typically includes liability protection and coverage for common area repairs or injuries. The cost is often included in HOA dues paid by unit owners. If you manage or sit on a condo board, we can help you review and customize your master policy to fit your community’s needs.

Does Business Property Insurance Cover Riot Damage?

In most cases, yes. Many business property insurance policies include protection against vandalism and damage caused by riots or civil disturbances. If your property is impacted, report it to your insurance provider right away. Don’t wait for something to happen — reach out to us now to make sure your coverage is current and comprehensive.



Let’s work together to keep your property — and your tenants — protected. Contact Rowell Insurance Services today for a personalized quote or policy review.