Custom insurance solutions tailored to you & your portfolio
Work with our team to design insurance coverage that matches your properties, risk tolerance, and investment goals.
Start your custom coverage today!
Buildings insurance
Flexible protection designed around you.
Stateside APM helps property owners and investors create tailored insurance policies that address their unique requirements.
Whether you have distinctive properties or specific risk considerations, our team will guide you through the options to design coverage that suits your needs.
Buildings insurance
Insurance that fits your properties and priorities
Your investments deserve more than one-size-fits-all protection.
We partner with respected insurers to develop coverage that adapts to your needs, ensuring your portfolio is safeguarded against unforeseen risks.
Features that scale with you for complete confidence
From unique construction types to specialised tenant risks, we help you build a policy that reflects your real-world exposures.
Tailored property coverage
Insurance designed for distinctive or higher-value properties.
Specialised liability options
Protection for unique liability scenarios or tenant profiles.
Custom policy limits
Set limits that reflect your investment and risk preferences.
Risk assessments
Detailed evaluations to guide policy structure and pricing.
Dedicated claims support
Responsive help for complex claims situations.
Multi-State availability
Coverage options are available in all US states.
Why choose Stateside APM for buildings insurance?
Personal service
Collaborative approach to designing your policy.
Deep expertise
Experience in structuring insurance for varied property types.
Trusted providers
Access to respected carriers offering flexible solutions.
Let us help you create the right protection for your portfolio
We’ll work with you to develop a custom insurance strategy that meets your objectives and protects your investments.
Personal service
Deep expertise
Trusted providers
Flexible options, tailored to you.
Just a few steps to getting protected.
We make it easy to protect your rental property with a simple, step-by-step process.
Step 1: Get a quote
Tell us about your properties, tenants, and goals so we can understand your needs.
Step 2: Review your options
Once you’ve received your quote, you can double-check to ensure it’ll give you exactly the coverage you’re looking for.
Step 3: Complete the application
Our expert team will send you an application form to complete to begin your coverage.
Once you’ve filled it in, our expert team will review your application and get back to you with any questions and the documents you need to sign to get covered.
Step 4: Sit back & relax
All that’s left afterwards is to sit back and relax, safe in the knowledge that our trusted partners are ensuring your investment is safe from fire, theft, and vandalism.
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.
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.
We’re here to make your claims process as simple as we can. Our expert team are on hand to guide you through the claims process.
You can complete our simple form to make a claim.
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.
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.