Whether you own a single apartment building or manage a diverse portfolio of residential units, the risks are real—tenant injuries, fire damage, theft, and more. At St. Claire Insurance Agency, we specialize in habitational coverage that protects your buildings, income, and liability exposure—so you can focus on growing your investment.
Habitational properties face constant exposure to claims, maintenance issues, and legal liability. A comprehensive insurance policy tailored to your specific building type and tenant profile is essential to safeguarding your investment and meeting lender or partnership requirements.
✅ Commercial Property – Covers physical buildings, common areas, signage, and equipment
✅ General Liability – Protection against tenant or visitor injuries on the premises
✅ Loss of Rents – Replaces income lost due to a covered event like fire or water damage
✅ Ordinance or Law – Covers the cost of bringing your property up to current building codes after a loss
✅ Equipment Breakdown – Protects HVAC, boilers, elevators, and other vital systems
✅ Umbrella/Excess Liability – Additional protection beyond primary liability limits
✅ Tenant Discrimination (EPLI) – Protects against claims of wrongful eviction or fair housing violations
✅ Flood & Earthquake (Optional) – Available for high-risk areas or lender-required zones
• Apartment Buildings
• Duplexes & Fourplexes
• Multi-Family Complexes
• Mixed-Use Residential Buildings
• Condo Associations (HOAs)
• Student Housing & Workforce Housing
• Short-Term Rentals & Vacation Properties
✔ Deep knowledge of the real estate & rental market
✔ Access to national and regional carriers for competitive pricing
✔ Customized policies based on location, occupancy type, and building age
✔ Fast, responsive service with support through claims and renewals
