Coverage That Protects Your Investment Properties
Specialized Apartment Insurance Across Texas
Many financial experts will tell you some unforeseen events and a lack of the right kind of insurance can spell trouble quickly. We understand that everyone has different insurance needs.
Choosing the right company can make a big impact on the value, service and price of your policy. We will help customize a program that is affordable and in line with the goals for your business.
Property Coverage
Protects your apartment building’s structure and essential systems, including damage caused by fire, windstorms, hail, lightning, vandalism, or other covered perils. This coverage can also extend to fixtures, appliances provided to tenants, and shared spaces like hallways or laundry rooms.
Liability Coverage
Shields you from financial responsibility if a tenant, visitor, or contractor is injured on your property or if property damage occurs due to your operations. This includes coverage for legal defense costs, medical expenses, and settlements—helping you avoid devastating out-of-pocket expenses from lawsuits.
Loss of Income
Also known as business interruption coverage, this protects your rental income if a covered event (such as a fire or major storm) makes units unlivable. It helps replace lost rent during repairs, ensuring cash flow continues even when tenants cannot occupy their apartments.
Excess & Umbrella Options
For larger apartment complexes or owners with higher risk exposure, umbrella and excess liability policies provide an added layer of protection. This coverage kicks in once your standard liability limits are reached—critical if you face a major lawsuit, property-wide damage, or high-value claims.
Who Needs Rental Property Insurance?
If You Have People Who Rely on You, You Need a Plan
Who Needs Apartment Insurance?
- Property owners with multi-family units
- Real estate investors with apartment complexes
- Landlords renting out duplexes or fourplexes
- Management companies overseeing multi-unit housing
Insurance FAQs
Get Clear Answers to Common Questions
We’re here to explain your options and help you compare life insurance quotes in El Campo and beyond. Whether you're just starting your search or reviewing your current plan, we offer clear advice and personalized support.
How much life insurance do I need?
The amount depends on your income, debts, future expenses, and goals. A common rule of thumb is 10 to 15 times your annual income. But we look deeper—factoring in your mortgage, education plans for kids, existing savings, and more—to tailor a policy that fits your unique situation.
What are living benefits in a life insurance policy?
Living benefits let you access a portion of your policy’s death benefit while you’re still alive if you’re diagnosed with a qualifying illness. This can help cover:
- Medical treatment
- In-home care
- Lost income
- Daily living expenses
They’re included in many of the life insurance policies we offer at no additional cost, making them a valuable part of your financial safety net.
Is life insurance expensive?
Not necessarily. Affordable life insurance is available, especially if you’re healthy and apply early. Term life insurance is typically the most cost-effective, and we work with a wide network of carriers to compare rates and help you find the best value.
What’s the difference between term and permanent life insurance?
Term life lasts for a set period and pays a death benefit if the insured passes during that time. Permanent life (like whole life or universal life) provides coverage for life and includes a cash value component. Each has its advantages depending on your goals—term is budget-friendly, while permanent offers long-term growth and stability.
Can I convert my term policy to a permanent one?
Many term life insurance policies allow you to convert to a permanent policy before a certain age or year of the policy. This option can help you keep coverage for life without undergoing new medical exams. We help you review this option when the time is right.
Can I have more than one life insurance policy?
Yes. It’s common to layer policies for different needs—like using term life to cover your mortgage and permanent life for long-term financial planning. We help you structure your coverage to maximize benefits without overpaying.