Apartment Owner’s Insurance


Attention Pennsylvania, Maryland, New Jersey, Ohio, Virginia and Connecticut Apartment Owners

This Apartment Owners Insurance program is designed to cover residential rental properties as small as a Duplex to large multi building complexes or high rise apartment buildings.

Receive the best pricing/coverage combination available in the industry

This program has been designed to provide you with top quality coverage and the lowest possible pricing available in the market place. Hornafius Insurance Agency has negotiated with multiple insurance companies (all “A” rated) to get you the best products for Apartment Building Owners in Pennsylvania, Maryland, New Jersey, Ohio, Virginia, Connecticut, and Wisconsin.

It’s not about insurance, it’s about risk of loss.

What steps can you take to reduce your need for insurance?  Let’s look at the real cost of loss first.

It’s true that owning apartment buildings can be quite lucrative. However, repairs to apartment properties can be incredibly expensive, which will make it difficult to profit from your investment if you are not properly prepared.  When we were young, many of us played the game Monopoly.  Today you are playing the real life game of Monopoly with real money and real risk.  As long as everything goes according to plan, you will be successful and win.  However, have you properly planned if something goes wrong?

As you already know there are many factors beyond your control.  The first may be tenants.  The number one unexpected that is sure to happen at sometime will be from tenants.  If you have a large number of units and have been in this game for long, you have experienced many unexpected events.  Some of them are a nuisance, some of them hurt financially and some of them can put you out of business if you aren’t properly prepared.

If you are the owner of a multifamily property or apartment building, whether you have 10 units or 1000, you are well aware of the serious financial consequences that you will face from disasters that are beyond your control if you do not have sufficient landlord coverage. This includes losing property because of wind damage, hail storms, fire or another cause.

In addition, you could also take a severe financial loss due to legal difficulties related to liability claims. This risk is even higher if your property has a swimming pool, sauna, spa, playground or gym. Liabilities can also arise from inadequate smoke detector maintenance, parking areas, uneven walkways, improper lighting and much more.

With our extensive expertise in the investment property industry, Hornafius Insurance Agency provides insurance that offers the most comprehensive and state-of-the-art solutions. We have custom Rental Property Insurance policies to meet your needs, regardless of the size and intricacy of your property.

Unique Coverage For Your Unique Needs

We understand the unique concerns for risk that multi-family apartment building owners face. As specialists in Pennsylvania’s insurance industry, we can provide the protection that you need for your situation.

Choosing the best Apartment Owners Insurance for your specific needs is one of the most imperative decisions that you will make as a property owner. With so many different options, we definitely understand how the process can be quite daunting as well as confusing.

Unfortunately, too many owners of apartment buildings and multifamily properties find themselves with excessive or insufficient coverage when disaster strikes. At Hornafius Insurance Agency Inc, our agents take the guesswork out of purchasing Landlord Insurance.

We do not try to offer cookie cutter solutions to our customers that may or may not meet your needs. Instead, our agents take the time to get a firm understanding of your unique situation. Then, we will work diligently in order to create the coverage solutions that will meet your needs precisely.

Our agents are highly trained professionals with years of experience. We have in-depth knowledge in the area of commercial real estate. This expert knowledge makes it possible for us to offer you the most comprehensive coverage options to help minimize financial struggles when it really counts.

The Right Coverage

If you are looking for the most proactive approach to protecting your property with adequate Rental Property Insurance coverage, we are here to help. It does not matter how large or small your multi-family property may be, we will provide you with the best possible protection through a top rate policy.

Hornafius Insurance Agency Inc has a wide variety of insurance products and companies available to protect your commercial property. Ask our agent about the ways that you can eliminate overhead expenses and prevent coverage duplication by consolidating your properties into a single policy.

There are a number of different types of Apartment Owners Insurance for you to consider as a multifamily building owner. The primary coverage options include general liability as well as coverage for loss of income and structure coverage. However, you may also want to consider investing in protection that will cover equipment breakdowns, building ordinance or law, employee dishonesty and workers compensation.

We are here to offer you the best possible Landlord Insurance products for all of your real estate needs. We are experts in providing the products that you need to protect your investment in the most cost efficient manner.

Hornafius Insurance Agency Is Your Multi-Family Insurance Professionals

It can be a real challenge when it comes to finding an experienced underwriter and agent for your Apartment Owners Insurance. In fact, other agencies do not understand the most critical details and don’t have access to the companies that want your business. That is where we can help because we specialize in the intricate details in order to ensure your investment is adequately protected.

We have the knowledge and perspective that allows us to offer you some of the best rates available. Ask us about premium savings for things like Renters Insurance, alarm systems, sprinkler systems and loss free discounts. In addition, we can offer you the peace of mind knowing that your investments are in the best possible hands.

We take care of all different sizes and classes of apartment complexes. This means that regardless of the specifics of your property, we will be able to work with you to design a policy with just the right mix of Landlord Insurance options at the most affordable rate.

Do not wait until a fire breaks out in a single unit and damages the entire complex. It will be too late when a tenant falls down the stairs and decides to take you to court for pain and suffering. The best solution is to take action right now by requesting a quote, no risk involved. Soon you will have an affordable quote from an insurance company that you can trust. With such competitive rates and comprehensive coverage, you cannot afford to delay any longer.


We specialize in Apartment Owners Insurance, so YOU WIN! Call my office today. Hornafius Insurance Agency at 1-800-367-5126 or Request a Quote now!

I am looking forward to doing business with you.

Dennis Zubler

President of Hornafius Insurance Agency