We Specialize in Multi-Family and Single Family Rental Insurance
As Habitational Insurance experts we can tell you that no two insurance policies are the same. We are here to make sure that what you expect to be covered is covered.
The Power Habitational Program is underwritten by A rated carriers and is specifically designed for the needs of the multi-family landlord. The program offers dynamic coverages and limits that enable us to tailor your plan to your needs and tolerance for risk at a competitive price.
Class B Habitational
Not every property is ideal from an underwriting perspective. Properties with underwriting red flags; building age, deferred maintenance, and occupancy issues; can be difficult to place on an insurance policy worth the paper it is written on. It is important to work with someone who understands coverage contracts, can explain what is covered and most importantly fight for what is covered in the event of a claim.
Multi-Family & Single Family Rental Portfolios
Dynamic portfolios require dynamic insurance plans. Coverage form must meet the particular coverage needs of various geographic areas and the security interests of private equity lenders. High transactional count requires the ability to place and remove coverage with ease. Perhaps most importantly, rate must meet your pro forma’s metric. We’ve been there; talk to us.
Your insurance is supposed to be there to protect you when catastrophe strikes. The last thing you need when you have a fire, a theft or injury is worrying how you will be protected – that’s our job. We will hold your hand through the process and do the heavy lifting for you.
Unmatched Knowledge & Experience
Our team led by Steven Mikuzis consists of actual insurance coverage lawyers with national experience litigating coverage form against the largest insurance carriers in the country. That is unmatched practical knowledge working to ensure that you have the proper insurance coverage in place.
Habitational Real Estate
What Our Customers Say
When our building collapsed, the insurance company denied my client’s claim arguing earth movement was not covered. Rather than spending years in litigation, Steven obtained full coverage without filing a lawsuit.
George placed our insurance with a company that focused on insuring older apartment buildings like mine. He saved us a lot of money and we have not had any crazy premium increase. Working with a company that focuses on insuring apartments pays.
We were hit hard when in-dining was closed during the pandemic, Ted helped us reduce our insurance costs so that we could get by. Here was a guy who not only put in the work, he cost himself money in the process. That’s someone there for his clients. That’s integrity.
A conversation is how we like to start…
From our resource center
Property Insurance: Matching Exclusions – what are they?
Most property insurance policies contain a provision that obligates the carrier to “repair or replace and insured’s damaged property with material of LIKE KIND and QUALITY or with SIMILAR MATERIAL. For all intents and purposes this is fine it’s when there is a...
What is an “Excess Lines Insurance Carrier” and why are they important?
Excess or surplus lines insurance carriers are “non-admitted insurers” and that simply means they sell policies that are not backed by your state. These carriers typically don’t fall under traditional insurance regulations. Although some states do regulate...
Illinois Condo Associations – Understanding your property Insurance Deductibles
Whether you are on the board of a Condominium or Homeowner’s Association (HOA) or own property in one, you should take the time to understand the By-Laws of the Association and how the insurance policies in place for that Association work at the time of a claim. ...