Apartment and Multifamily Insurance
Coverage for apartment buildings and multifamily properties
Owning apartments and multifamily property comes with constant exposure, from tenant injuries and water losses to storm damage, liability claims, and loss of rental income. Hereth Insurance Consulting helps Missouri property owners compare apartment building insurance quotes and multifamily insurance programs built for real-world landlord risk, whether you own a duplex or a larger complex.
Who this is for
Apartment buildings, duplexes, triplexes, fourplexes, small multifamily, larger multifamily complexes, mixed unit properties, and investor-owned residential buildings.
Coverages we commonly build for apartments and multifamily
- Commercial Property insurance for the building, attached structures, and common areas
- General Liability for tenant and visitor injury claims, plus property damage liability
- Loss of Rents or Business Income to protect cash flow after a covered loss
- Equipment Breakdown for boilers, HVAC, and mechanical systems that keep units habitable
- Crime coverage options for theft and certain employee dishonesty exposures
- Ordinance or Law coverage for code upgrades after a covered loss
- Water backup coverage options where available and appropriate
- Umbrella or Excess Liability for higher protection and contract requirements
- Commercial Auto and hired and non-owned auto when property operations require vehicles
- Workers Compensation if you have maintenance staff or employees
Common gaps we help you avoid
Apartment insurance often fails when limits, deductibles, or endorsements don’t match how the property is operated. We help you address items that commonly create problems, including vacancy rules, property maintenance exposures, roof age and updates, and the difference between actual cash value versus replacement cost valuation. We also help clarify wind and hail deductibles and how they apply, which is especially important for multifamily owners.
Proof of insurance and lender requirements
Whether you need coverage for a loan closing, a refinance, or a new acquisition, we help with certificate requests, lender evidence of insurance, and documentation that keeps transactions moving. If you work with property managers, we can also align policies and certificates with management agreements and vendor requirements.
What impacts pricing
Apartment and multifamily insurance pricing depends on location, building age and construction, roof condition, number of units, claims history, occupancy, protection class, deductibles, and the coverage terms selected. We shop multiple carriers and real estate programs to find strong options and competitive pricing.
Why property owners choose us
We know real estate insurance, we move quickly, and we bring multiple markets to the table. You get clear options, responsive service, and a long-term approach that keeps coverage aligned as your units, valuations, and portfolio change.
If you’re searching for “apartment building insurance,” “multifamily insurance Missouri,” or “landlord insurance for apartments,” request a quote and we’ll help you compare coverage and pricing options.
Commercial Property Insurance
Coverage for offices, retail, warehouses, and buildings you own
Commercial real estate insurance should protect more than the building itself. It needs to address tenant liability exposure, storm and water losses, mechanical breakdown, and the income interruption that can follow a major claim. Hereth Insurance Consulting helps Missouri owners compare commercial real estate insurance quotes and build programs for single buildings or larger schedules of properties.
Who this is for
Office buildings, retail centers, strip malls, mixed-use buildings, warehouses, light industrial, contractor buildings, storage facilities, and owner-occupied or investor-owned commercial property.
Coverages we commonly build for commercial real estate
- Commercial Property coverage for buildings, improvements, and common areas
- General Liability for slip-and-fall and premises liability claims
- Loss of Rents or Business Income to protect income after a covered loss
- Equipment Breakdown for HVAC, electrical panels, boilers, and mechanical systems
- Ordinance or Law coverage for code upgrades after a covered loss
- Flood insurance options when required by lender or location
- Wind and hail planning, including deductible strategy and coverage design
- Crime coverage options for theft and certain employee dishonesty exposures
- Umbrella or Excess Liability for higher limits and stronger protection
- Commercial Auto and hired and non-owned auto when operations require vehicles
- Workers Compensation if you have employees or maintenance staff
Tenant risk and lease-driven requirements
Commercial property owners often need insurance that aligns with lease language, including who covers tenant improvements, how liability is shared, and what certificates are required from tenants and vendors. We help you build a program that supports your lease structure and reduces disputes after a loss.
Common gaps we help you avoid
Commercial real estate claims can go sideways due to valuation, coinsurance penalties, vacancy rules, and missing endorsements. We help you select the right replacement cost approach, review key policy forms, and plan for exposures like water losses, older roofs, vacant space, and multiple occupancies. If your property includes restaurants, auto-related tenants, or higher hazard uses, we’ll place coverage through markets built for those risks.
Proof of insurance for lenders and closings
We regularly support real estate transactions and can provide evidence of insurance, certificates, and lender-specific documentation to keep closings and renewals on track.
What impacts pricing
Commercial property insurance pricing depends on construction type, building age, roof, occupancy, location, protection class, claims history, property values, deductibles, and required limits. We shop multiple carriers and real estate programs to find the best fit for your building and your risk tolerance.
If you’re searching for “commercial property insurance Missouri,” “commercial real estate insurance,” or “insurance for a commercial building,” request a quote and we’ll help you compare options quickly.
Real Estate Portfolio Insurance
One program for multiple properties, one team to manage it
When you own multiple properties, insurance gets complicated fast. Different addresses, different lenders, different occupancies, changing values, and constant policy changes can create gaps and missed renewals. Hereth Insurance Consulting helps Missouri investors consolidate coverage into a cleaner real estate portfolio insurance strategy, whether you have a handful of properties or a growing schedule across multiple locations.
Who this is for
Investors with multiple single-family rentals, duplexes and small multifamily, mixed-use buildings, small commercial properties, and portfolios with properties in different LLCs or with multiple lenders.
What portfolio insurance helps you accomplish
Portfolio coverage is about organization and consistency. It can reduce duplicate paperwork, make renewals easier, and help keep coverage terms aligned across your schedule. Instead of every property being handled differently, we build a program approach that’s easier to manage and easier to scale.
Coverages we commonly build for real estate portfolios
- Scheduled Commercial Property coverage across multiple location
- General Liability designed for landlord and premises exposure
- Loss of Rents or Business Income to protect cash flow after a covered loss
- Umbrella or Excess Liability to add higher limits across the portfolio
- Ordinance or Law coverage for code upgrade costs after a covered loss
- Equipment Breakdown for key mechanical systems where applicable
- Flood options when required by lenders or location
- Crime coverage options for theft and certain employee dishonesty exposures
- Builders Risk for renovations or properties under construction
- Vacancy solutions when properties are being turned, renovated, or temporarily empty
How we help you manage the insurance side
We help you keep property schedules accurate, update building values, track lender and certificate requests, and avoid common issues like vacancy clauses, incorrect occupancy, or mismatched named insured and LLC structures. If you use a property manager, we can align insurance documentation and certificates with management agreements and vendor requirements.
What impacts pricing
Portfolio pricing is influenced by the mix of property types, locations, construction and roof age, claims history, occupancy, deductibles, and the total insured values across the schedule. We shop multiple carriers and real estate programs to find the right fit and present clear options that show both coverage and cost.
If you’re searching for “real estate portfolio insurance,” “landlord portfolio insurance,” or “insurance for multiple rental properties,” request a quote and we’ll help you build a program that scales with you.
Investment Property Insurance
Coverage for single-family rentals and landlord properties
Investment properties need landlord-focused insurance, not a homeowners policy. Whether you own a single rental house, a short-term rental, or a property you’re renovating to rent or sell, Hereth Insurance Consulting helps Missouri investors compare investment property insurance quotes built for rental risk, tenant liability, and loss of rental income.
Who this is for
Single-family rental homes, tenant-occupied houses, landlord policies for long-term rentals, short-term rentals where eligible, rent-to-own situations, and properties held in an LLC. We also help owners who are buying a new rental, refinancing, or switching from a homeowners policy to a proper landlord policy.
Coverages we commonly build for investment properties
- Dwelling or Property coverage for the structure
- Landlord Liability coverage for tenant and visitor injury claims
- Loss of Rents to protect income after a covered loss
- Optional coverage for landlord furnishings when the property is partially furnished
- Water backup options where available
- Ordinance or Law for code upgrade costs after a covered loss
- Umbrella or Excess Liability for higher limits and stronger protection
- Vacant property insurance when a home is empty during turns or renovations
- Builders Risk for renovation projects and properties under construction
- Flood options when required by lender or location
Common gaps we help you avoid
Many investors unknowingly keep a homeowners policy on a rental, which can cause serious coverage issues at claim time. We help ensure the property is written correctly as a rental, the named insured matches the ownership structure, and the coverage reflects how the home is occupied. We also review deductibles, roof age, and liability limits so you’re not underinsured when a large claim happens.
How pricing works
Investment property insurance pricing depends on location, replacement cost, roof age, construction type, tenant occupancy, claims history, deductible selection, and whether the property is vacant or undergoing renovation. We shop multiple carrier options to find competitive pricing and strong terms that fit your strategy.
Why investors choose us
We move quickly for closings, we’re familiar with lender documentation, and we help you scale coverage as you acquire more properties. If you’re searching for “investment property insurance,” “landlord insurance Missouri,” or “rental property insurance quotes,” request a quote and we’ll help you compare options.