Commercial Property · Calculator, Comparison & Guide

Office Property Insurance: Calculator, Comparison Table & Guide

Suburban, medical office, and mid-rise.

Prong 1 · Interactive Calculator

Office Building Property Estimator

Suburban, medical office, and mid-rise.

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 —
Medical office factor —
General liability (premises) —
Estimated annual property + GL —
Per rentable square foot —
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.

Get the real number — Start Smart Intake

Prong 2 · Comparison Table

Office Property Structures

Standard vs. E&S vs. layered.

CriterionAdmitted Standard FormE&S Property (Named-Peril or All-Risk)Layered / Shared & Layered Program
Coverage formSpecialSpecialSpecial
Equipment breakdown (elevators, HVAC)IncludedOptionalIncluded
RentsIncludedOptionalIncluded
Ordinance or lawIncludedOptionalIncluded
Vacancy tolerance60 days / 31%30 daysNegotiated
Best fitMost officeOlder or high-vacancyPortfolio / high-rise
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

Office Building Insurance: Systems, Vacancy, and Tenant Fit-Out

Lowest-hazard commercial occupancy, but elevators, chillers, and vacancy still bite.

Equipment breakdown

Elevators, chillers, switchgear, and building automation are excluded from property forms as 'mechanical breakdown'.

  • Full equipment breakdown with spoilage and BI
  • Elevator maintenance contract on file
  • Utility service interruption endorsement

Post-2020 vacancy

Office vacancy in Houston has hovered above 20%. Vacancy clauses reduce coverage.

  • Vacancy permit if any building falls below 69% occupancy
  • Maintain security and utilities in vacant floors

Tenant fit-out

Who owns and insures the build-out? The lease decides.

  • Landlord work vs. tenant work
  • Betterments revert to landlord at lease end — insure them
  • Builders risk during fit-out

Frequently Asked Questions

Do I need terrorism coverage?

TRIA coverage is offered by law; for CBD high-rises, accept it. Suburban buildings often decline.

Is a medical office rated differently?

Slightly higher for water damage (labs, sterilization) and business income sensitivity.

What about a parking garage?

Structure is property; garage liability and garage keepers if you operate valet or attended parking.

Related: office building insurance · medical office property · office park coverage

Turn the estimate into a quote

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

Start Smart Intake

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.