Apartment Insurance

Apartment Owner & Landlord Insurance: protect your assets

As a landlord or apartment building owner, your properties are more than just buildings—they’re valuable investments that generate income and long-term financial security. Protecting those assets with the right apartment owner and landlord insurance is critical.

At Advantage Insurance Network, we specialize in landlord insurance in Ohio, Indiana, Kentucky, Tennessee and Michigan offering tailored commercial insurance solutions for rental property owners of all sizes.

Insurance Solutions for Every Type of Property

Not all rental properties are the same, and neither are their risks. That’s why we partner with multiple top-rated carriers to design coverage that fits your property portfolio, whether large or small.

We provide landlord insurance for:

• Single-family rental homes

• Duplexes, triplexes, and fourplexes

• Large apartment buildings and complexes

• Student housing near universities

• Subsidized or Section 8 housing

• Older and historic properties

• Mixed-use rental properties

No matter what kind of property you own, our team has the expertise to secure the right policy at the best price.

Essential Coverages for Apartment Owners & Landlords

A standard homeowners insurance policy doesn’t protect landlords. You need specialized landlord insurance coverage to stay financially secure.

Property Insurance

Protects the building itself, including walls, roof, foundation, and landlord-owned contents, against covered perils like fire, wind, theft, and vandalism.

Liability Insurance

Covers you if a tenant, visitor, or contractor is injured on your property and files a claim. Helps with legal costs, settlements, and medical expenses.

Loss of Rent Insurance

Replaces rental income if your property becomes uninhabitable due to a covered event, such as fire or storm damage.

Replacement Cost vs. Actual Cash Value

Understanding how your property is insured makes all the difference:

• Replacement Cost Coverage: Pays the full cost to repair or rebuild your property with materials of similar quality, without factoring in depreciation. This ensures you can restore your property to pre-loss condition.

• Actual Cash Value (ACV): Pays the depreciated value of your property, which may not be enough to fully rebuild.

👉 Most property investors choose replacement cost coverage for complete protection.

Optional Coverages to Strengthen Your Policy

Every landlord faces unique risks. Adding optional coverages can provide extra layers of protection:

• Water Backup Coverage – Protects against sewer or drain backup damage.

• Ordinance or Law Coverage – Covers additional costs to bring your building up to current codes after a loss.

• Equipment Breakdown Insurance – Covers sudden breakdowns of HVAC, boilers, and electrical systems.

• Flood Insurance – Critical in flood-prone areas, since standard landlord policies exclude flood damage.

• Umbrella Insurance – Adds extra liability coverage beyond your standard policy limits.

Why Choose Advantage Insurance Network?

As an independent insurance agency in Cincinnati, OH, we work for you—not the insurance companies. That means we shop and compare multiple carriers to find the best landlord insurance for your situation.

With Advantage Insurance Network, you get:

• Access to multiple top-rated carriers

• Customized insurance programs for all property types

• Local agents with decades of landlord insurance experience

• Smart technology that simplifies the shopping process

• Personalized service from a trusted Cincinnati insurance agency

Protect Your Rental Properties Today

Your rental properties are valuable—don’t leave them vulnerable. Let Advantage Insurance Network create a comprehensive landlord insurance policy that protects your property, income, and peace of mind.

📞 Call us today at 513-922-9460 to review your landlord insurance options.
💻 Get a free online quote —fast, secure, and hassle-free.

Protect your properties. Protect your income. Protect your future—with Advantage Insurance Network.