Apartment & Rental Property Insurance

Protect your Apartment or Rental Property, Your Way

We offer complete packages Apartment complexes, and the same packages for single-family rentals, 4-plexes, etc. Cox Insurance Services offers customizable apartment owners policies that reflect the unique risk characteristics of your property.

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Your Apartment & Rental Insurance Options Explained

We don’t put our Real Estate risks in insurance “pools” or “master ” policies. These types of policies are inferior in many ways. There are many agencies and programs that will write your property and liability insurance on a Master Insurance policy that shares coverage with hundreds of other properties. Our competitors “master” policies can extend to cover many states that are subject to their local disasters. These policies subject your rates to claims from other non-related properties. Also, the Umbrella Liability is watered-down when you insure on a master policy.

A Cox Insurance Services package policycan provide coverage for:

Employment Practices Liability

Covers your business if discrimination, sexual harassment or wrongful termination claims are made by present, former or future employees.

Property Insurance

Funds repairs or replacements for damaged physical assets when disasters like vandalism, fire, windstorms, or hail strike.

Liability Insurance

Protects against financial losses resulting from claims of injury or property damage caused by you or your employees and your products or services.

Business Crime Insurance

Protects against fraud, theft, forgery or robbery.

Business Income Coverage

Also known as Business Interruption Insurance, allows you to continue to receive income while your business is being restored. It not only helps you to cover expenses needed to keep a business operating after a loss, but it also helps you to replace lost revenue.

Cyber Liability and Data Breach

Provides coverage for privacy breach response services and expenses incurred to notify parties affected by a security breach, including fees and costs related to hiring a company to operate a call center, and reimbursing you for post-event credit monitoring costs for victims of breach.

Tailor your coverage with these additional insurance endorsements, coverages and policies:


Shields your business from potentially ruinous lawsuits with additional liability coverage.

Workers’ Compensation Insurance

Satisfies your employees’ medical needs in the event of an accident or disease and make a quick return to work possible, while removing lawsuit potential by current or former employees.

Business Auto Insurance

Gets you on the road again quickly after an accident and ensure your business is protected against losses from injuries to other drivers, passengers and pedestrians for which you and your employees are liable.

Equipment Breakdown

Pays for direct damage and resulting loss of income caused by or resulting from covered equipment breakdown.

Ordinance or Law

Covers the cost to demolish and remove debris of undamaged parts of the building and the increased cost to repair, reconstruct or remodel damaged or undamaged parts of the building to comply with a building ordinance or law.

Backup of Sewers and Drains

Pays for loss or damage caused by water that backs up or overflows from your sewer or drain or enters into and overflows from a sump pump or any other system designed to remove subsurface water from a foundation area.

Outdoor Fences and Walls

Pays for loss to free standing fences and walls due to certain specified causes of loss.

Hired and/or Non-owned Auto

Pays for Bodily Injury or Property Damage arising out of the maintenance or use of a hired automobile in the course of business by you or an employee, or the use of a non-owned automobile in the business by any person other than the insured.

Guaranteed Replacement Cost Analysis

We’ll provide a Reconstruction Cost Analysis Report this will enable us to recommend proper Building Coverage.

What Our Clients Say

“I’ve had Cox Insurance Services  and Wally Cox as my Insurance provider and agent for my apartment properties for over 5 years now.  Wally and his team have not only always given me the best price but the best service as well. Whether I need something digitally or stopping by their office, I always get the best service and answers to any and all my questions by Wally and his staff. There is no one and no other company I’d rather or will do business with than Cox Insurance Services.  I can’t recommend them highly enough.”

Neil Evans,Manager/OwnerDesert Canyon Investment Properties

It’s important to remember your organization has specific needs which may change over time

As an apartment building owner, you will encounter challenges that require coverage to help you keep your business intact should an unexpected loss happen.

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