Apartment and Multifamily Building Insurance in Florida
Bluehill Insurance places commercial property and liability coverage for apartment and multifamily building owners across Florida – and in Texas, Georgia, California, and many other states. From 5-unit buildings to large complexes in Miami, Fort Lauderdale, Tampa, Orlando, and Jacksonville, we shop a specialty and surplus-lines market to place coverage around your building’s age, construction, and location. Pricing varies widely from building to building, so we quote each property individually.
Coverages we place for apartment and multifamily owners include:
- Commercial property insurance
- General liability insurance
- Loss of rents / business income
- Windstorm and flood
- Equipment breakdown
- Umbrella / excess liability
Frequently asked questions
How much does apartment building insurance cost in Florida?
There is too much variation from building to building – age, construction, roof, location, wind and flood exposure, and limits – to give a meaningful price range without underwriting the specific property. Bluehill shops multiple carriers and provides a firm quote based on your building.
What coverage does an apartment building owner in Florida need?
Typically commercial property, general liability, and loss of rents, plus separate windstorm and flood given Florida’s exposure. Larger or multiple properties often add umbrella/excess and equipment breakdown.
Do you write mixed-use and smaller (5 to 20 unit) buildings?
Yes. Bluehill has programs for everything from small 5+ unit apartment buildings to mixed-use properties and large complexes statewide.
My premium spiked a few years ago – is it worth re-shopping?
Often yes. The Florida market has improved in 2025-2026 and more carriers are competing, so policies placed during the 2022-2023 hard market are worth re-marketing.
Get a quote: call (800) 467-4914 or request a quote online to speak with an apartment building insurance expert.