Apartment Building Insurance
Coverage built for apartment owners, from garden-style communities to senior independent living. Rental property insurance is our specialty.
Apartment Building Insurance
Coverage built for apartment owners, from garden-style communities to senior independent living. Rental property insurance is our specialty.
Apartment Building Insurance
Coverage built for apartment owners, from garden-style communities to senior independent living. Rental property insurance is our specialty.
What Apartment Buildings Does Millers Mutual Insure?
Millers Mutual apartment building insurance protects owners of garden-style apartments, senior independent living properties, and apartment buildings up to four stories. A policy can help cover property damage, liability claims, data breaches, and lost rental income after a covered loss.
Coverage is sold through independent agents in Pennsylvania, Delaware, Maryland, North Carolina, Ohio, Virginia, and Washington, D.C.
Businessowners Policy (BOP)
A BOP combines business property, general liability, and business income coverage in one policy. It is the core policy for most apartment owners. It offers higher limits and broader protection than a dwelling fire policy, including coverage for lost rent after a covered loss. Read More.
Employment Practices Liability Insurance (EPLI)
EPLI can help cover discrimination and harassment claims from employees and from third parties, including current or prospective tenants and vendors. It includes defense coverage, even against groundless charges. Limits range from $25,000 to $1 million. Learn More.
Building Lifecycle Coverage
Building Lifecycle Coverage protects a building from construction through tenant occupancy with one policy. It combines builders risk, inland marine, and BOP coverage, so you avoid gaps when a project moves from build to lease-up.
Data Response & Cyber Insurance
Cyber insurance can help if a data breach or ransomware attack exposes tenant information. It is important for owners who take online applications, store screening reports, or collect rent online. Coverage can include first- and third-party costs, legal defense, business interruption, and certain regulatory fines, subject to policy terms. Download our fact sheet.
Flood Insurance
Flood insurance can help cover flood damage that standard BOPs exclude. Nearly 20% of National Flood Insurance Program (NFIP) claims come from areas with low or moderate flood risk, so a separate policy is worth considering for any property.
Commercial Umbrella Insurance
Commercial umbrella insurance adds liability limits above your underlying policy. It matters for properties with more tenants, common areas, or amenities where a single injury claim could exceed standard limits. Coverage up to $10 million is available.
Workers’ Compensation Insurance
Workers’ compensation can help cover medical expenses, lost wages, rehabilitation, and death benefits for employees hurt on the job. It is essential if you employ maintenance staff or on-site managers. Millers Mutual offers it with Eastern Alliance Insurance Group, including claims and risk management services.
Renters Insurance
Feel confident that both your property and tenants are covered. All tenants are approved through a streamlined process, with no Social Security or credit checks needed, and an online portal makes it easy to update renters’ info and track their insurance policies.
Tenant Screening
Know who you’re renting to. Even if you don’t manage lots of properties, you can use our SmartMove Program to run an online credit check, eviction history check, and criminal background check in minutes.
Fire Prevention Products
Cooking is the top cause of household fires, so we highly recommend these non-insurance products from our trusted partners. Explore the benefits of StoveTop FireStop and get preferred pricing as a Millers Mutual customer. To learn more about fire safety for your rental dwelling, download our fact sheet.
What Apartment Buildings Does Millers Mutual Insure?
Millers Mutual apartment building insurance protects owners of garden-style apartments, senior independent living properties, and apartment buildings up to four stories. A policy can help cover property damage, liability claims, data breaches, and lost rental income after a covered loss.
Coverage is sold through independent agents in Pennsylvania, Delaware, Maryland, North Carolina, Ohio, Virginia, and Washington, D.C.
Businessowners Policy (BOP)
A BOP combines business property, general liability, and business income coverage in one policy. It is the core policy for most apartment owners. It offers higher limits and broader protection than a dwelling fire policy, including coverage for lost rent after a covered loss. Read More.
Employment Practices Liability Insurance (EPLI)
EPLI can help cover discrimination and harassment claims from employees and from third parties, including current or prospective tenants and vendors. It includes defense coverage, even against groundless charges. Limits range from $25,000 to $1 million. Learn More.
Building Lifecycle Coverage
Building Lifecycle Coverage protects a building from construction through tenant occupancy with one policy. It combines builders risk, inland marine, and BOP coverage, so you avoid gaps when a project moves from build to lease-up.
Data Response & Cyber Insurance
Cyber insurance can help if a data breach or ransomware attack exposes tenant information. It is important for owners who take online applications, store screening reports, or collect rent online. Coverage can include first- and third-party costs, legal defense, business interruption, and certain regulatory fines, subject to policy terms. Download our fact sheet.
Flood Insurance
Flood insurance can help cover flood damage that standard BOPs exclude. Nearly 20% of National Flood Insurance Program (NFIP) claims come from areas with low or moderate flood risk, so a separate policy is worth considering for any property.
Commercial Umbrella Insurance
Commercial umbrella insurance adds liability limits above your underlying policy. It matters for properties with more tenants, common areas, or amenities where a single injury claim could exceed standard limits. Coverage up to $10 million is available.
Workers’ Compensation Insurance
Workers’ compensation can help cover medical expenses, lost wages, rehabilitation, and death benefits for employees hurt on the job. It is essential if you employ maintenance staff or on-site managers. Millers Mutual offers it with Eastern Alliance Insurance Group, including claims and risk management services.
Renters Insurance
Feel confident that both your property and tenants are covered. All tenants are approved through a streamlined process, with no Social Security or credit checks needed, and an online portal makes it easy to update renters’ info and track their insurance policies.
Tenant Screening
Know who you’re renting to. Even if you don’t manage lots of properties, you can use our SmartMove Program to run an online credit check, eviction history check, and criminal background check in minutes.
Fire Prevention Products
Cooking is the top cause of household fires, so we highly recommend these non-insurance products from our trusted partners. Explore the benefits of StoveTop FireStop and get preferred pricing as a Millers Mutual customer. To learn more about fire safety for your rental dwelling, download our fact sheet.
Why Millers Mutual
Choose an insurance partner that understands the unique risks in your industry – and how to protect against them.
- Since 1890. More than 135 years of insuring property owners.
- A- (Excellent) from AM Best. Financial Size Category VIII
- Rental property only. Millers Mutual insures tenant-occupied property exclusively.
- Independent agents. Local agents in PA, DE, MD, NC, OH, VA, and Washington, D.C.
Connect With a Millers Mutual Agent
Find an experienced local agent to discuss your apartment building insurance needs.
Find an AgentFrequently Asked Questions
Own an Apartment Building? Stay Informed.
What should you consider when selecting apartment building insurance? Visit our Education Center for risk management best practices and helpful guidance for landlords.
View Best Practices
