Our Offerings

Every day, our people and network of AIC Authorized Agents deliver apartment owners and managers insurance through innovative products and services. By counting on us to meet their specialized insurance needs, our clients are able to pursue a secure course toward their goals. AIC has supplemental offerings for apartment owners and managers who have an ancillary commercial office or retail component to their property schedule.

Non-Coastal Program Coverages

Coverage Highlights

Our Program Carriers are “A” Rated
Building and Personal Property Replacement Cost
110% Margin Clause permits loss payments to exceed blanket scheduled limits for each location Included
Building Ordinance or Law Coverage A Included
Extended Period of Indemnity for Loss of Rents 365 Days
Demolition and Increased Cost of Construction Included
General Liability Limits $1,000,000/$2,000,000
Non-Owned and Hired Auto Liability $1,000,000
Excess Liability Options $5M, $10M, $15M
Boiler and Machinery Included
Real Property includes fences, carports, signs, storage & pools Included

Attractive Deductibles

All Risk of Direct Physical Damage $10,000 Per Location
Windstorm & Hail $10,000 or $25,000 Per Location
2% of TIV ($100,000 minimum) in Orange County, TX
Equipment Breakdown $10,000 Per Location
Terrorism $10,000 Per Location
General Liability $0

Coastal Program Coverages

Coverage Highlights

Our Program Carriers are “A” Rated
Building and Personal Property Replacement Cost
110% Margin Clause Included
Building Ordinance or Law Coverage A Included
Building Ordinance or Law Coverage B and C 10% per Building Subject to $2,500,000 Max per Occurrence
General Liability Limits $1,000,000/$2,000,000
Non-Owned and Hired Auto Liability $1,000,000
Excess Liability Options $5M, $10M, $15M
Boiler and Machinery Included
Terrorism Included
Real Property includes fences, carports, signs, storage & pools Included

Attractive Deductibles

All Risk of Direct Physical Damage $10,000 Per Location
Windstorm & Hail $50,000 Per Location
Named Storms 3% ($50,000 Minimum) Per Location Per Occurrence of TIV Subject to a $100,000 Per Occurrence Minimum
OR
5% ($50,000 Minimum) Per Location Per Occurrence of TIV Subject to a $100,000 Per Occurrence Minimum
Equipment Breakdown $10,000 Per Location
Terrorism $10,000 Per Location
General Liability $0