Helping you access the right coverage for your property investments.
We connect you with trusted providers to simplify insurance solutions for real estate investors and property managers.
Insure & protect your properties today!
Buildings insurance
Guiding you to comprehensive coverage
Stateside APM helps real estate investors and property managers navigate insurance options by connecting them with reliable providers.
Our expertise ensures you can secure the coverage you need to protect your investments.
Review our available insurance plans
With our trusted partners, we’re able to offer excellent coverage through out range of insurance programs.
Program 2
Available in most States
Features
Deductibles:
$7,500 / $10,000 (VMM)
General liability:
$1,000,000
Cover type:
ACV: $70 – $109
RCV: $110+
(cost per square foot)
Min price:
$70 per sq ft
Property size:
1 to 4 units
Program 7
Available only in MD, OH, PA, NJ & IL
Features
Deductible:
$5,000
General liability:
$1,000,000
Cover type:
ACV: $70 – $109
RCV: $110+
(cost per square foot)
Min price:
$70 per sq ft
Property size:
1 to 4 units
Program 10
Available only in MI
Features
Deductible:
$5,000
General liability:
$500,000
Cover type:
ACV: $45+
RCV: Not available
(cost per square foot)
Min price:
$45 per sq ft
Property size:
1 to 2 units
We also offer more flexible options
For smaller (1 or 2 unit) properties →
Secure dependable insurance for smaller residential rentals, including single-family homes and fully separate two-unit properties, available in most US states.
For property managers →
Develop custom insurance programs for the homes you manage, with options to simplify claims, billing, and compliance across multiple owners.
For large portfolios →
Bundle coverage for multiple rentals under one policy to reduce administration and keep costs predictable as your portfolio grows.
Get bespoke insurance coverage →
Partner with us to build a fully customised plan that fits your specific risk profile, property mix, and investment strategy.
★★★★★ 5.0
from 8,850+ properties
Looking for more options? Looking for a custom quote for insuring your properties? Book a quick call and we can craft something specifically for you. Contact our team.
Why partner with us?
We exclusively work with property owners & investors
Our expert team specialises in supporting property owners and portfolio investors to protect their investments.
Master policies specifically designed for property investors
We work with trusted providers offering tailored insurance solutions for your properties.
Tailored support
We offer insurance options for single-family homes, multi-unit properties, and commercial buildings. Each policy can be tailored to your exact needs.
Multiple program offerings for your individual needs
We offer a wide range of insurance options to ensure you get exactly the coverage you need.
Streamlined process to add additional properties
Once your account with us has been set up, you can easily add new properties and get protected quickly!
Exclusive programs
Explore co-branded insurance programs, including cost-saving opportunities for property managers through our trusted partnerships.
Get a quote in just
2 minutes!
Ensure the properties are fully covered against All Risk, including fire, theft & vandalism.
All Risk coverage, which includes…
Fire
Theft
Vandalism, sometimes called VMM or malicious mischief
Insure for the amount you want without the penalty of co-insurance, on most plans
Get a quote now, pay later
Just a few steps to getting protected.
Our expert team is on hand to guide you through the process of protecting your investments.
Step 1: Review our programs
We offer three pre-defined insurance programs through our trusted partners, offering excellent value and coverage to ensure your investments are protected at all times.
Step 2: Get a quote
It takes just two minutes to fill in our online application form. You’ll receive a quote in real time as you apply, letting you know how much your coverage will cost.
Step 3: Complete application
Once you’ve applied online, 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
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.