0%
lower annual premium
Before
$160,424
After
$99,538
Named storm deductible 5% → 3%$60,000+ saved a year
Garden, mid rise and small portfolios across Texas, including older buildings and coastal properties other agents struggle to place.
A renewal we remarketed this year. Client name withheld.
Past results don't guarantee future savings. Every account is priced on its own risk.
Apartment owners usually overpay because nobody shopped the account properly, not because of the building. These are the pieces we push on.
Replacement cost, named storm deductibles and wind buybacks, structured around what your lender actually requires.
Many apartment policies exclude or sublimit assault and battery. We find the gaps and the markets that fill them.
Lead umbrella layers have shrunk. We build excess limits that satisfy your loan without overpaying for them.
Year built, roofs, wiring and distance to the coast decide which carriers will quote. We know which ones will.
Larger properties get split across several carriers. We build those towers and renegotiate them every year.
Mortgagee wording, evidence of property and certificates done right the first time.
Habitational property is getting cheaper at renewal, and much cheaper for larger shared programs. Your incumbent won't volunteer that.
New capacity is coming into Texas property, and carriers want to grow going into the new year.
Incumbents trim last year's number while the same building gets quoted far lower as new business.
Lower deductibles, blanket limits and better wind terms are on the table if someone pushes.
Email your current declarations page, or bring it to a 15 minute call.
Within two business days we show you how your price and coverage stack up against today's market.
If your program is priced right, we'll tell you. If it isn't, we take it to market well before your renewal.
Yes. Older buildings take more work to place, and we know which carriers will look at them.
Yes. Send your loan's insurance requirements with your dec pages and we'll build the program around them.
About 120 days before your renewal. Carriers want a full submission 60 to 90 days out, and the best terms go to accounts that show up early.
Your current declarations pages. A statement of values and loss runs make the benchmark sharper.
No. The review is free and there's no obligation to change anything.
Enter your address and book 15 minutes, or email your declarations page and we'll reply within two business days.
Rather talk first? Book a 15 minute call