Ramey King Insurance has free consultations to help reduce the cost of your apartment complex coverage, while assuring that your property is fully protected.    Either call us today at 1-800-453-9691 or send us information about your apartment complex through our easy information form.  

At Ramey King Insurance We Know Apartments!

Apartment Complex Insurance Made Easy

Apartment Complex Insurance can be complicated.  The Apartment Complex Insurance specialists at Ramey King Insurance have put together these suggestions for helping to make decisions about proper coverage easier and to limit cost of annual premiums.

1. Insure your property for the correct value: What is the current replacement cost of your property?  Too often properties are either over insured resulting in higher premiums or under insured resulting problems replacing the structure in event of a disaster.
2. What general liability limits to purchase? No one can say what is the correct limit to carry, but it is important to make an educated decision.  The apartment complex insurance specialist at Ramey King Insurance can provide free advice and recommendations on what those limits can or should be.
3. Deductibles:  Pick as high a deductible as you can afford once or twice per year.  Higher deductibles will mean a lower premium.  But a deductible that is too high creates a circumstance that the property owner can not afford to repair the damages.   Property repairs that are differed will reduce the property’s value and the value to tenants who will expect lower rental rates.
4. Boiler & Machinery Coverage:  Does your property have central boilers or chiller units?  This policy also covers some mechanical breakdowns.
5. Risk Management and Loss Control: Walk your property to identify and correct hazards before they cause a claim to your property.  Ramey King Insurance Apartment Complex Experts can provide this free service for your investment property.

More recommendations and tips for understanding your options and how to keep insurance rates low, download our free white paper on "Apartment Complex Insurance Made Easy".

What Ramey King Does....

Apartment Complex  Insurance requires a special understanding of the apartment complexes and needs of the owners of those complexes to provide good coverage at a reasonable cost.   Ramey King Insurance has been insuring multi-family properties for over 130 years.  We are not only specialists in the complicated field of providing apartment complex coverage, we are also apartment complex owners.  As a result we understand the challenges face by owners and managers to make sure that the right coverage is in place to protect the property at the right price.