Landlord (5+ Units)

Residential rental properties at 5 or more units move out of personal landlord coverage into a commercial policy, what the insurance industry often calls habitational coverage. That shift matters, the policy needs to address property, liability, lost rents, and often an umbrella layer, at a scale a personal policy was never built for.

What it covers

• ✓Building property coverage
• ✓General liability across common areas and units
• ✓Loss of rents
• ✓Ordinance or law coverage (rebuild-to-code costs)
• ✓Umbrella/excess liability, often required at this scale
• ✓Short-term rental (Airbnb/VRBO) portfolio coverage where applicable

Who it's for

Owners of apartment buildings, condo complexes, townhome communities, and mixed-use residential properties with 5 or more units, including short-term rental portfolios at that scale.

Why Firehouse

This is one of our core commercial specialties. We understand the real difference between a 1-4 unit personal landlord policy and a 5+ unit commercial landlord policy, and we make sure your coverage actually matches your risk, not just your old policy renewed on autopilot.

Frequently asked questions