Apartment Building Insurance in Cincinnati, Ohio — and Across the U.S
Protect your property. Protect your income. Protect your future.
At Cogo Insurance, we specialize in comprehensive insurance solutions for apartment building owners throughout Cincinnati, Ohio, the Midwest, and across the United States. Whether you own a single multifamily building or manage a nationwide portfolio of residential properties, we help you find the right coverage to minimize risk and maximize value.
Unlike off-the-shelf policies, our building insurance solutions are custom-built to match the size, tenant profile, and operational needs of your properties — including student housing, senior living, renovation-stage buildings, and short-term rentals.
Why Apartment Building Owners Trust Cogo Insurance
As a commercial insurance brokerage and insurtech, Cogo Insurance gives you access to both traditional carriers and alternative underwriting platforms. That means:
- More quotes from top-rated insurers
- Tailored risk engineering and underwriting support
- Faster turnarounds and digital service
Our apartment building insurance clients include landlords, property managers, REITs, syndicators, and private investors — all seeking risk-smart, budget-conscious solutions that stand up to real-world losses.
What Does Apartment Building Insurance Cover?
Your customized insurance package may include the following coverage types, depending on your needs and risk profile:
Core Coverages
✅ Property Insurance – Covers the physical structure(s) from perils like fire, water damage, wind, or vandalism
✅ Business Personal Property – Protects furniture, appliances, tools, and equipment you own
✅ Loss of Rental Income – Replaces lost revenue if a covered loss makes your units uninhabitable
Liability Coverages
✅ General Liability – Covers injuries or property damage affecting tenants, guests, or vendors
✅ Professional Liability / Errors & Omissions – Recommended for property managers or owner-operators
Specialty Coverages
✅ Equipment Breakdown – Covers HVAC, boilers, elevators, and other essential systems
✅ Ordinance or Law – Helps with rebuilds that must meet updated building codes
✅ Employee Dishonesty / Crime – Protects against internal theft and embezzlement
✅ Umbrella / Excess Liability – Provides additional limits over GL and auto
✅ Workers’ Compensation – For employees performing maintenance or on-site management
✅ Commercial Auto – For any vehicles you use in building operations
Serving Building Owners in Cincinnati and Nationwide
Whether your building is located in Downtown Cincinnati, Over-the-Rhine, Covington, or beyond, we bring local market knowledge with national reach. Our risk advisors understand regional underwriting nuances — from hail risk in the Midwest to water intrusion in coastal markets.
You get the personal service of a boutique agency, combined with the technology and insights of a national firm.
