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.

Coverage Highlights

Habitational Property

Our Program Carriers are “A” Rated
Building and Personal Property: Replacement Cost
Building Ordinance or Law Coverage A: Included
Building Ordinance or Law Coverage B & C: $10,000,000 combined
Extended Period of Indemnity for Loss of Rents: 180—365 Days
Demolition and Increased Cost of Construction
Boiler and Machinery: Included
Terrorism: Included
Real property includes fences, carports, signs, storage & pools: Included
No Coinsurance

Commercial Property

Our Program Carriers are “A” Rated
Building Ordinance or Law Coverage A: Included
Building Ordinance or Law Coverage B and C:$1,000,000 combined per location
Extended Period of Indemnity for Loss of Rents: 180 Days
Equipment Breakdown: Included
All Other Causes of Loss: As low as $10,000 per location, per occurrence
Windstorm and Hail (Excluding Tier One Counties): $25,000 or $50,000 per location
No Coinsurance

General & Excess Liability

Our Program Carriers are “A” Rated
Non-Owned and Hired Auto Liability: $1,000,000
General Liability Limits: $1,000,000 / $2,000,000
General Liability Deductible: $2,500 per occurrence
Excess Liability Limit: $10,000,000 per occurrence

Attractive Deductibles

All Risk of Direct Physical Damage: As low as $10,000 per location
Windstorm & Hail
Non-Convective States: $10,000 to $50,000 per locationConvective States: 1% -3% TIV (subject to $50,000-$100,000 min.)
Equipment Breakdown: $10,000 per location
Terrorism: $10,000 per location