Buildings insurance
Our claims procedure
We’re here to make your claims process as simple as we can. Our expert team is on hand to guide you through the claims process.
How to make a claim
These procedures are in addition to any procedures that our insurance carriers may impose. By accepting coverage on any of our Stateside APM master policies, you agree to these terms and conditions.
- All claims must be placed through Stateside APM.
- All claims must be submitted within the time period specified in the policy documents for the program to which the property has been added.
- All claims must be notified by email to insure@statesideapm.com
- Once the notification has been received, we will email our claim form to the claimant for completion.
- For hazard claims, the following will be required before we will process a claim; other documents may be required after the claim has been submitted:
- Completed and signed claim form,
- Photographs of the property before the incident,
- Photographs of the property after the incident,
- A quote for the cost to repair only the damage caused by the incident,
- A report from the police or fire department detailing the incident,
- If the property was vacant at the time of the incident, internal & external photographs showing how it was secured, and
- Inspection log, if vacant at the time of the incident.
- For liability claims, we will notify you of the documents required at the time of the claim, as liability claims are all individual.
Properties protected by our insurance products
Connect with our team today to learn how we can help you access the right insurance coverage for your investments.
Frequently asked questions
Browse our FAQ’s or contact us directly and we’ll sort you out.
About our insurance coverage
What does the policy cover?
Our programs include coverage for property damage (fire, storm, etc.) and general liability protection.
Loss of Rents can be added for an additional charge. The exact details depend on the program and property type.
Is liability coverage included?
Yes.
All programs offer general liability coverage starting at $500,000 or $1,000,000 depending on the plan.
Are water or sewer backup damages covered?
Water/sewer backup may be covered, depending on the circumstances of the damage.
Please check the specific policy for details or ask us directly.
Are deductibles the same for all programs?
No. Deductibles vary by program.
Common options are $5,000 and $7,500. VMM (Vandalism and Malicious Mischief) deductibles may also apply.
We also have 2,500 deductible options. Please ask us for details.
Can I pay for the insurance at closing?
Yes.
Just let us know and we’ll coordinate with your closing team.
Can I add an additional insured?
Yes.
Property managers are automatically added as additional insureds. Other parties can be added upon request.
What types of properties are eligible?
We insure 1–4 unit residential properties, including single-family homes and multi-unit properties.
Are all insurance programs available in every state?
No.
Some programs are nationwide, while others are limited to specific states like MI, OH, PA, NJ, MD, and IL.
We’ll match you to the right program based on your property’s location.
What is the minimum coverage amount, or property value required?
All programs require a minimum insured value per square foot, often $45, $70, or $110+ depending on whether coverage is ACV (Actual Cash Value) or RCV (Replacement Cost Value).
How do I start coverage or get a quote?
You can quickly & easily get a quote through the Stateside APM Portal.
What should I do if the occupancy status of my property changes?
Please notify us as soon as possible with any change in occupancy status or owner to insure@statesideapm.com.
Failure to do so may affect coverage and invalidate any future claims.
Are there additional requirements for vacant properties?
Vacant properties must be properly secured in a manner appropriate and/or suitable for the area it is located.
Also, vacant properties must be inspected on a regular basis as specified in the policy document for the program the property has been added to. Proof of this may be required before any claim is accepted.
Failure to do so may affect cover and invalidate any future claims.
Claims procedure
How do I file a claim?
We have produced a dedicated help guide on how to make a claims procedure – including what additional information we’ll need from you, the photos you’ll need to take and the documentation you’ll need to provide to make a claim.
Complete the claims form and email it to: claims@statesideapm.com
Who do I notify if I have a claim?
Notify us by email (claims@statesideapm.com) with the completed form. If you need help, reach out directly to our team.
Will my claim be covered?
Each claim is reviewed based on the policy terms. Check your policy documents or contact us if you’re unsure.
How soon will my claim be settled?
Timely submission of required documentation will help speed up resolution. Delays in paperwork are the most common reason for slower processing.
What can I do to protect my investment and reduce the risk of a claim?
- Maintain your property regularly, especially when vacant. Good maintenance is key as insurance is not a substitute for repairs.
- Secure vacant properties against the weather and intruders using methods appropriate for the area.
- Vacant properties must be inspected on a regular basis as specified in the policy document for the program the property has been added to.
- Log all inspections and keep photo documentation
- Failure to maintain or document inspections may affect your ability to file a claim.
- Save photos from any work done to the property.
- Ensure compliance with local laws and rental registrations.
Helpful links
We have produced a helpful guide on how you can protect your investments and prevent a loss.
Tips include how to secure, inspect & maintain your property and how to ensure local compliance.
Apply for buildings insurance →
We offer a variety of programs to ensure your investments are protected from fire, theft and damage.
Applying online takes just a few minutes.
Get in touch
Let’s connect! Whether you have questions, need support, or want to discuss an exciting new investment you want to protect, we’re just a message away. We pride ourselves on quick, helpful responses.
Get in touch with our expert team.
Chat with our expert team
Our insurance team has decades of experience ensuring our customers get exactly the coverage they need.
Our team will get back to you ASAP.
Email our insurance team
If you want to speak directly to our dedicated insurance experts, you can email them at: insure@statesideapm.com.
We aim to respond the next day.
Call our team now
If you prefer speaking over the phone, you can get in touch with our team directly.
US: 1-248-564-7878
UK: 01604 805 680
AUS: 02-80-735-084
Our lines are open 8am to 6pm EST (Eastern Standard Time) on weekdays.