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Firefly 20260202165200

Real Estate Insurance

Confident coverage for apartments, condos, mixed-use, and rental portfolios, all in one place.
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The Tropolis Advantage

Real estate insurance should reflect how your properties actually operate, not force you into a one size approach.

  • Access to real estate focused carriers built for habitational, condo, and mixed use risk

  • Practical guidance across coverage structure, contracts, and portfolio growth

How Our Coverage Is Built

Every real estate operation faces different risks based on property type, location, tenant mix, and long term plans. Our process starts with understanding how your properties operate and builds coverage around that reality.
number-1
Understand the property
Review of your buildings, occupancy, tenant exposure, lease requirements, and portfolio structure.
number-2
Identify the pressure points
Review of current coverage, common gaps, lender requirements, and areas where claims often surface.
number-3
Build the program
Coverage structured to support active properties and future acquisitions in a clear, manageable way.

 

Real Estate Coverage, All in One Place

Protection designed for properties, people, and the realities of ownership. Coverage shown highlights core options, with additional options available based on property and portfolio needs.

Property Insurance Protection for buildings, common areas, and business personal property across apartments, condos, and mixed use locations. Coverage can reflect replacement cost, valuation needs, and how properties are scheduled within a portfolio.
General Liability

Coverage for premises-related risk tied to tenant activity, visitors, and daily operations. Designed to address slip and fall claims, property damage to others, and liability arising from occupied spaces.
Umbrella and Excess Liability Additional limits that sit above primary liability policies to help protect against larger claims. Often required by lenders and ownership groups with multiple properties or higher exposure locations.
Equipment Breakdown Coverage for sudden mechanical or electrical failure of critical building systems. Commonly applies to HVAC, boilers, electrical panels, elevators, and other systems that keep properties operating.
Crime and Fidelity

Protection against theft, fraud, and dishonest acts involving employees, tenants, or third parties. Especially important for properties handling rent payments, security deposits, or association funds.
Builders Risk and Renovations Coverage for new construction, property improvements, and renovation projects while work is underway. Helps protect materials, partially completed structures, and financial investment during active projects.
Flood and Wind Options Property coverage for weather related exposure based on location and risk profile. Options vary by geography and may be required by lenders depending on flood zones or wind exposure.
Cyber Liability Coverage for data exposure tied to property management systems, tenant records, online payments, and digital communication. Helps address breach response costs, notification requirements, and related liability.

Experience You Can Count On

Meet Levi Fishman, the agency partner leading our Commerce Township office. With decades of experience helping scrap metal recycling businesses protect their operations and plan for growth, Levi brings deep industry insight and a commitment to client success.
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Levi Fishman, Esq.
Explore Our Approach
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Ready to Protect Your Properties?

Start a real estate insurance review built around your buildings, tenants, and long term plans.
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