Your Property. Our Specialty.
Choose an insurance partner that understands the unique risks in your industry – and how to protect against them.
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Student Housing Protection, Simplified
Off-campus student rentals come with their own risks, from turnover to shared spaces. Explore coverage options built for student housing owners.
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Be Confident in Your Policy
Millers Mutual is a property and casualty insurer focused on tenant-occupied rental property, including rental dwellings, apartment buildings, student and affordable housing, and commercial and mixed-use real estate. Coverage is available through independent agents in Pennsylvania, Delaware, Maryland, North Carolina, Ohio, Virginia, and Washington, D.C.
Properties We Cover
Millers Mutual insures tenant-occupied rental property in three programs: rental dwellings, apartment buildings, and commercial and mixed-use real estate. Whether you own one rental or a full portfolio, there is a program built for your property type.
Properties We Cover
Rental Dwelling Insurance
Coverage for rental dwellings of one to four units, including row homes. It is a strong fit for individual landlords and small-portfolio owners who want more protection than a basic dwelling fire policy.
Eligibility: 1 to 4 units · Tenant-Occupied
Apartment Building Insurance
Coverage for garden-style apartments, senior independent living properties, and apartment buildings up to four stories.
Eligibility: Up to 4 Stories · Insured Value Up to $5 Million
Commercial Real Estate Insurance
Coverage for commercial and mixed-use buildings, including buildings with apartments above retail or office space.
Eligibility: Up to 4 Stories · Insured Value Up to 5 Million
Why Choose Millers Mutual
Millers Mutual specializes in property and casualty insurance for tenant-occupied rental, multifamily, and mixed-use properties.
- In business since 1890
- Based in Harrisburg, Pennsylvania
- Niche property and casualty carrier
- Focused on tenant-occupied and multifamily properties
- Coverage sold through a network of independent agents
- Serving Pennsylvania, Delaware, Maryland, North Carolina, Ohio, Virginia, and Washington, D.C.
Protect Your Investment – and Your Bottom Line
It’s more than a property. It’s your livelihood. We get it, so our coverage solutions are tailored to the specific risks you face, including:
Fire and water damage
Natural disasters
Theft and vandalism
Injuries and lawsuits
Business risks
Multifamily Housing Risk and Insurance Solutions
In this short video, Millers Mutual agents and customers explain how the company protects rental property owners in a changing insurance market. It covers the three property types Millers Mutual insures: rental dwellings, apartment buildings, and commercial and mixed-use real estate. It also walks through key policies, including the Businessowners Policy, commercial umbrella, EPLI, and cyber coverage.
Watch VideoTrusted by Your Industry
Millers Mutual provides quick claim resolution, courteous service, and affordable pricing. Fair insurance coverage and rates are difficult to obtain for affordable housing, but Millers Mutual never hesitates to provide us just that.
Sharlene Woodruff
CFO, HDC MidAtlantic
Our business is based on two words: Quality and Honesty. We have identified that same commitment from Millers Mutual, and appreciate their high-quality service and support.
Phil Noto
President, Santisi Imports, LTD
It’s very, very important for an investor to have an insurance partner, and that’s what I call Millers Mutual.
Mike Serluco
Owner, Consolidated Properties, Inc.
Millers Mutual provides quick claim resolution, courteous service, and affordable pricing. Fair insurance coverage and rates are difficult to obtain for affordable housing, but Millers Mutual never hesitates to provide us just that.
Sharlene Woodruff
CFO, HDC MidAtlantic
Our business is based on two words: Quality and Honesty. We have identified that same commitment from Millers Mutual, and appreciate their high-quality service and support.
Phil Noto
President, Santisi Imports, LTD
It’s very, very important for an investor to have an insurance partner, and that’s what I call Millers Mutual.
Mike Serluco
Owner, Consolidated Properties, Inc.
Frequently Asked Questions
Your Questions, Answered
What should you consider when buying landlord insurance or apartment building insurance? How can you minimize your risk? Get the facts at our Education Center.
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