Buildings insurance
Tips for preventing a loss
We encourage responsible ownership and would like to remind you to notify us of any changes in the property status, such as a change of occupancy.
Securing your property
You must also secure your property if it becomes vacant in a manner suitable for the area where it is situated. We typically recommend a HUD-style board, and examples of this can be found in your APM Cloud account.
Remember, you can never have too much security, but you can have too little. Failure to secure your property sufficiently may affect future cover and claims.
Regular inspections & maintenance
You must also have regular inspections of your property to ensure it is maintained well, don’t forget to save the photos as they will be required in the event of a claim.
We strongly recommend that you ask for photos whenever you have any work carried out, to keep as a record of the improvements you’ve made to the property. You can store any photos in your APM Cloud account.
Remember, all vacant properties must be inspected in accordance with the policy conditions of the program the property has been added to. Failure to inspect your property frequently enough and keep a log may affect a future claim.
You must maintain your property; insurance is not a replacement for maintenance. An insurance company could, and has, denied claims because it felt the damage could have been avoided if the owner had carried out simple maintenance.
Ensure local compliance
Many municipalities require rental properties to be registered and have certificates proving they comply with city building standards and ordinances.
It is your responsibility as the owner to ensure your property complies with the law. Failure to do so could have far-reaching consequences, heavy fines, or the inability to evict tenants or squatters are but two.
Helpful links
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.
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We offer a variety of programs to ensure your investments are protected from fire, theft and damage.
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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.
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.