Coverage Options | Apartment Owners Insurance | Shelter Insurance®

Coverage Options

Protect yourself with the right apartment owners insurance coverage options

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Shelter's apartment owners insurance provides comprehensive coverage for you and your apartment buildings and rental properties. We also offer a wide range of coverage options to add to your policy.

If our apartment owners insurance policy isn't right for you, consider our basic renters dwelling insurance policy instead.

Types of Coverage


Dwelling coverage applies to your rental property or apartment building and all attached additions and extensions. It also covers

  • Fixtures, machinery, and equipment permanently attached to and used to service your rental property or apartment building and its premises. This includes
    • Heating systems.
    • Cooling systems.
    • Water heating systems.
    • Water softeners.
  • On-site construction material you plan to use in repairing or altering your rental property or apartment building.
  • Working outdoor antennas or reception dishes.

Other Structures

Other structures coverage applies to structures permanently attached to the premises (but not to your rental property or apartment building) that are designed to service your rental property. Examples include

  • Fences and other decorative fixtures on your property.
  • Swimming pools and yard signs.

Personal Property

Personal property coverage applies to the contents of your rental property or apartment building. It includes

  • Furniture, fixtures, and supplies.
  • Refrigeration and ventilation equipment.
  • Floor coverings.
  • Cooking, dishwashing, and laundering equipment.
  • Outdoor furniture.

Loss of Rental Income

If property damage or loss occurs, you will be reimbursed for the loss of net rental income.

Personal Liability

Liability coverage will help you pay for bodily injury and property damage that you are legally liable to pay. For example, if your child breaks the neighbor's window playing baseball, or if a visitor slips and falls on your icy sidewalk, your personal liability coverage can help protect you.

Medical Payments

Medical payments coverage will help you pay for reasonable medical payments if someone is accidentally hurt or injured

  • While on your property.
  • Through some activity that involves you or your family members.

Medical payments coverage will not apply to injuries sustained by you or members of your family who live with you.

Debris Removal

Debris removal coverage pays the reasonable expenses to remove debris following a covered loss.

Emergency Removal of Property

Emergency removal of property coverage pays for damage to covered property that happens while you're trying to remove it in an emergency.

Necessary Repairs after Loss

It may be necessary to protect covered property from additional damage following a loss. This coverage pays for the cost of those repairs.

Fire Department Charges

Fire department charges coverage will reimburse you up to $500 of service charges if a fire department is called to protect your covered property.

Trees, Shrubs, Plants, and Lawns

Trees, shrubs, plants, and lawns coverage will pay for a loss, caused by certain perils, to trees, shrubs, plants, and lawns at your residence.

Other Coverage

The following coverage options are also included with your apartment owners insurance policy:

  • 30 days of automatic coverage on newly acquired property (buildings and business property)
  • Off-premises coverage
  • Extra expenses
  • Personal effects
  • Accounts receivable
  • Valuable papers and records
  • Fire extinguisher recharge
  • Transportation
  • Elevator collision
  • Loss assessment
  • Damage caused by others' cars

Additional Coverage Options

The following coverage options can be added on to your apartment owners insurance policy:

  • Business computers
  • Sprinklers
  • Extended coverage for outdoor radio and television equipment
  • Windstorm damage to trees, shrubs, plants, and lawns
  • Piers, bulkheads, wharves, and docks, including collapse
  • Comprehensive personal liability
  • Earthquake damage assumption
  • Garage keepers legal liability
  • Builders risk
  • Replacement cost coverage, business personal property
  • Construction theft

Additional coverage options may vary by state. See an agent for details.

The product information contained on this website is informational only and not a statement of contract. All coverage options are subject to the provisions of the policy purchased and details of the policyholder's situation.