Protecting small rental properties with trusted insurance solutions.
Access reliable coverage designed for landlords and investors with one or two residential units.
Secure coverage for your property!
Buildings insurance
Coverage built for smaller portfolios
Our team helps landlords with one or two rental units find dependable insurance through our vetted network of providers.
We guide you to coverage that fits your property and risk profile so you can invest with confidence.
Buildings insurance
Expert guidance at every step
Whether you are new to property investment or looking to improve protection for your rentals, we simplify the process of securing the right policy.
Our expertise ensures your investments are protected against fire, theft, and liability.
Coverage tailored to smaller properties
Flexible coverage options for landlords managing one or two units. Protect your property and income with policies suited to your unique needs.
Property coverage
Safeguard your buildings against fire, storms, vandalism, and other risks.
Liability protection
Coverage for third-party claims related to tenant injuries or property damage.
Loss of rental income
Compensation if your property becomes uninhabitable due to a covered loss.
Customisable deductibles
Options to select deductibles that balance cost and protection.
Fast claims support
Streamlined claims processes with responsive support when you need it most.
Multi-State availability
Coverage options in most US states for local or out-of-state investors.
Why choose Stateside APM for buildings insurance?
Clear guidance
Specialised experience helping small landlords protect their investments.
Trusted partners
Access to a network of respected insurance providers.
Flexible options
Programs tailored to the needs of smaller residential portfolios.
Let us help you protect your rentals.
Our team can help you secure affordable, reliable insurance so you can focus on growing your rental business.
Clear guidance
Trusted partners
Flexible options
Get a quote today, pay later
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
It takes just two minutes to get in touch with our insurance experts with details of the properties you want covered.
You’ll receive a quote soon after you apply, letting you know how much your coverage will cost.
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 application
Our expert team will send you an application form to complete to being 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 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
Questions about protecting your 1–2 unit rental? Our team is ready to help you understand your options and get started.
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.