Stateside APM insurance policies terms and conditions and claim procedures.
Below are links to the policy wording for our Hazard and General Liability programs. These are the actual policy documents of our umbrella policies which your property will be added to. These programs are only available to clients that subscribe to one of our services.
We cannot offer any advice as to how much you should cover your property for, but our programs require a minimum amount of cover equal to $45 per square foot.
Please ensure you read and understand our terms and conditions and the coverage provided under the program you choose. In particular we urge you to read the sections pertaining to claims procedures and vacant properties and property inspections. Stateside APM cannot provide advice as to whether the cover is suitable for your purpose or the amount you should insure for. Stateside APM is not an insurance broker or agent and cannot provide individual insurance policies.
Please feel free to contact us if you have any queries.
Stateside APM Insurance Programs
| Program Name | States Available | Deductible | Type of Hazard Cover | Policy Documents |
|---|---|---|---|---|
| Program 1 & 1a Closed to new business | Hazard - Michigan Liability - Michigan | $5,000 / $5,000 VMM | Actual cash value | Read the policy |
| Program 2 & 2a | Hazard - All States except Michigan Liability - All States except Michigan | $7,500 / $10,000 VMM | Actual cash value | Read the policy |
| Program 3 & 3a 2022 - 2023 Renewal | Hazard - All States. Liability - All States. | $3,500 / $3,500 VMM | Actual cash value | Read the policy |
| Program 4 & 4a Closed to new business | Hazard - All States except Michigan Liability - All States except Michigan | $2,500 / $2,500 VMM | Actual cash value | Read the policy |
| Program 5 & 5a Closed to new business | Hazard - All States Including Michigan Liability - All States including Michigan | $5,000 / $5,000 VMM | Replacement cost or Actual cash value. Please read page 10 | Read the policy |
| Program 6 & 6a | Hazard - All States except Michigan Liability - All States except Michigan | $2,500 / $12,500 VMM | Replacement value | Read the policy |
| Program 7 & 7a | Hazard - IL, OH, MD, PA, & NJ only Liability - IL, OH, MD, PA, & NJ only | $5,000 / $5,000 VMM | Actual cash value | Read the policy |
| Program 8 & 8a | Hazard - All States except Michigan Liability - All States except Michigan | $2,500 when occupied $5,000 if vacant | Replacement cost unless insured for less than $75 per sq ft. Please read page 10 of policy. | Read the policy |
| Program 9 & 9a | Hazard - All States Liability - All States | $5,000 / $5,000 VMM | Actual cash value unless insured for at least 80% of value or $100 per sq ft. Please read page 27 of policy. | Read the policy |
| Program 10 & 10a | Hazard - MI Only Liability - MI Only | $5,000 / $5,000 VMM | Actual cash value. Zero co-insurance. | Read the policy |