Commercial Property · Calculator, Comparison & Guide

Multifamily / Apartments Insurance: Calculator, Comparison Table & Guide

Garden-style, mid-rise, and small multifamily. Roof age and wind tier dominate.

Prong 1 · Interactive Calculator

Multifamily Property Estimator

Garden-style, mid-rise, and small multifamily. Roof age and wind tier dominate.

Results
LineEstimate
Total insured value —
Construction-age factor —
Roof-age factorRoofs > 15 yrs commonly trigger ACV roof settlement or decline in TX/FL. —
Sprinkler credit —
Effective property rate per $100 —
Property premium —
Business income / rents premium —
Frame factor —
General liability (per-unit basis) —
Estimated annual property + GL —
Per unit per year —
Per door per month —
Wind/hail deductible per occurrencePercentage of building limit, per building, before the carrier pays. —

Illustrative math only. Rate ranges are planning bands, not quotes. Your policy wording, carrier appetite, loss history, and state decide the real number. This tool stores nothing and sends nothing.

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Prong 2 · Comparison Table

Multifamily Property Structures

How apartment owners are buying in the 2026 Texas and Florida markets.

CriterionAdmitted Standard FormE&S Property (Named-Peril or All-Risk)Layered / Shared & Layered Program
Coverage formSpecial (all-risk)Special or named-perilSpecial
Wind/hailIncluded, 2%–5% dedOften excluded or 5%Included, layered
Roof settlementRCV if < 15 yrsACV or scheduleNegotiated
Ordinance or lawIncludedOptionalIncluded
Equipment breakdownIncludedOptionalIncluded
Minimum premium$5K$15K$100K+
Best fit< 100 units, newerOlder, coastal, loss historyPortfolios > $50M TIV
Included
covered in base form
Excluded
not available
Optional
available by endorsement
Limited
sublimited or conditional

Wind may be excluded from any of these in Tier 1 counties and placed with TWIA (TX) or Citizens (FL).

Prong 3 · Deep-Dive Guide

Multifamily Property Insurance in Texas & Florida: The 2026 Playbook

Roof age, wind deductibles, and per-door pricing — what lenders require and how to bring cost down.

What drives per-door cost

Texas multifamily has run $600–$1,500 per door annually in recent years. The variables are wind tier, roof age, construction, and loss history.

  • Roof replacement often pays for itself in premium within 5–7 years
  • Sprinklers and central-station alarms earn 10%–20%
  • Loss runs: 5 years, clean, ready to send

Lender requirements

Agency (Fannie/Freddie) and bank lenders have prescriptive requirements.

  • Replacement cost with agreed value or 90% coinsurance
  • Wind deductible ≤ 5%, often ≤ 2% for agency
  • Business income 12 months + extended period
  • Ordinance or law A/B/C

Liability

Slip-and-fall, assault (premises security), and habitability claims. Tenant discrimination is excluded on standard GL.

  • $1M/$2M GL, $5M–$10M umbrella for 100+ units
  • Assault & battery: no sublimit
  • Tenant discrimination endorsement
  • Pollution (mold/bacteria) buy-back

Frequently Asked Questions

Why is my roof age such a big deal?

Hail. Roofs over 15 years are settled at actual cash value or declined outright by most Texas carriers.

Can I self-insure the wind deductible?

Many owners buy a deductible buy-down policy to cover the gap between 5% and a manageable retention.

Do I need flood?

If any building is in an SFHA, lenders require it. Even outside SFHA, Houston flooding argues for a private flood quote.

Related: apartment insurance Houston · multifamily property insurance · apartment complex coverage Texas

Turn the estimate into a quote

The Smart Intake takes about two minutes. A licensed advisor reviews your multifamily / apartments exposure against 30+ Texas and Florida markets. Nothing from the calculator above is stored or sent.

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Or call (281) 671-0069

All numeric rates are 2026 Texas/Florida planning bands compiled by the agency for illustration; they are not filed rates and must be reviewed by a licensed agent before publication. Coverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Submitting a request does not bind coverage.