Apartment Building Insurance in Connecticut

Start with the property address and we'll reach out the same day.

Or, if you prefer, just email us at quotes@kbinsure.com

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Tree-lined street of brownstone row houses with stoops

Multifamily owners in Hartford, New Haven, Bridgeport and Stamford juggle older housing stock, shared mechanicals, many tenants and lender conditions. KB Insurance is a boutique independent brokerage; for more than ten years we've placed property, specialty and commercial risks with creative solutions and a personal touch.

We'll explain your options in plain terms, compare what's available, and help you build coverage around your Connecticut property.

What's Generally Covered

Every building and every policy is different. Your final coverage depends on the carrier, the policy wording, and underwriting. For apartment buildings, options may include:

  • Property coverage for the building structure and certain owned equipment
  • General liability for claims that arise from the premises
  • Loss of rents / business income, which may apply after a covered loss
  • Umbrella or excess liability for higher limits above your primary policies
  • Equipment breakdown for boilers, mechanical and electrical systems
  • Ordinance or law options that relate to rebuilding requirements

We'll go through what each option does and doesn't do, so you know what you're buying.

Who It's For

This page is for owners and managers of Connecticut residential rental properties, including:

  • Walk-up and elevator apartment buildings
  • Small multifamily properties (for example, 3–6 units) and larger buildings
  • Market-rate and affordable buildings
  • Buildings owned through an LLC, partnership, or individually

What We Need to Quote

To get started, enter the property address. After that, a quote usually needs:

  • Number of units, stories, and approximate square footage
  • Year built and any updates to roof, electrical, plumbing, and heating
  • Construction type and occupancy (any commercial space on the ground floor?)
  • Current policy declarations and loss history, if available
  • Lender or mortgage requirements, if any

You don't need everything on day one. We'll tell you what's missing.

Why Work With a Broker

An independent broker isn't tied to one company's products. We can look at more than one market, explain the differences in plain language, and advocate for you when underwriters have questions. As a boutique firm, we keep the process personal. You'll work with people who know your file.

Start a Quote: enter your building's address to begin.

Prefer to call? 718-872-5525

FAQs

Does my mortgage lender set insurance requirements for my Connecticut building?

Many do, typically covering property limits, liability limits and mortgagee wording. Send us the requirements and we'll help review options that may fit.

Can you help with older multifamily buildings in Hartford or Bridgeport?

We can. Older buildings may be tougher to place, so we help present upgrades and condition to underwriters and look for available options.

Is rental income covered automatically after a loss?

It depends on the policy. We'll tell you whether loss of rents is included and what options may exist.

How long does it take to get a quote?

It varies with the building and the details available. Starting with the address and current declarations usually helps.

Do I need an umbrella or excess policy?

That depends on your exposure, assets and lender or contract requirements. We can talk it through with you.