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If your apartment building is in good condition, Muller Insurance can definitely save you money on insurance. Our special Apartment Building package policies can cover you for fire, loss of rental income, building code/law, sewer/drain backup coverage, and liability. At Muller Insurance, we insure all types of apartment buildings including those with stores. Our companies offer discounts for multiple locations, sprinkler systems, fire resistive, and newer construction.

Muller Insurance has special policies for 1-4 family tenant occupied or 3 & 4 family owner occupied dwellings. The policy includes fire, rental income, medical payments, and premises liability. Note: if you own a 3 or 4 family dwelling and live in it, you need to purchase an HO-4 policy which will cover your contents for fire and personal liability.

Dwelling Insurance is categorized into three forms of coverage: DP1 (Basic form); DP2 (Broad form); and DP3 Special form). Here’s the breakdown on each:

DP1 Coverage (Basic) includes: Fire (hostile fire) and Lightning; Windstorm and Hail; Explosion; Riot or Civil Commotion; Vehicles or Aircraft; Smoke–sudden accidental damage from smoke; Vandalism – malicious damage to property, including damage caused by burglars.

DP2 Coverage (Broad) – includes (in addition to the coverages in DP1) – Damage by Burglars; Falling Objects; Weight of ice, snow or sleet – damage to property within a building caused by the weight of ice, sleet, or snow; Accidental discharge or overflow of water or steam – from within a plumbing, heating, air conditioning or automatic fire protective sprinkler system or from within a household appliance; Sudden and accidental tearing apart, cracking, burning or bulging – of a steam or hot water heating system, an air conditioning or automatic fire protective sprinkler system, or an appliance for heating water; Freezing – of a plumbing, heating, air conditioning or automatic fire protective sprinkler system or of a household appliance; Sudden and accidental damage from artificially generated electrical current; Volcanic Eruption – other than loss caused by earthquake, land shock waves or tremors.

DP3 Coverage (Special Form) which is the best coverage available, includes (in addition to the coverages in DP1 and DP2); Breakage of Glass or Safety Glazing Material (only if part of a building, storm door or storm window); and offers 10% of coverage for Off Premises Contents.

Keep in mind that Flooding is not covered under any of these DP forms and must be covered additionally with a floater.

Why not call or stop in at Muller Insurance in Hoboken for a free consultation. See why our personalized customer service is highly-regarded by our clients. Read customer reviews on our website www.MullerInsurance.com and learn more about how we can save you money on  apartment building/dwelling insurance.

Call us today for a free quote!

About Roger J. Muller, Jr. Overseeing Muller Insurance’s day-to-day operations and always improving how the company can better serve its clients, Roger J. Muller, Jr. is a Certified Professional Insurance Agent (CPIA) with 32 years’ experience in the insurance industry. He’s a travel agent, Certified Real Estate Appraiser (CREA), Certified Environmental Inspector (CEI), licensed Real Estate Broker and licensed Insurance Agent in the following states: New Jersey, New York, Pennsylvania, Connecticut, North Carolina, South Carolina, Florida, Maryland, Washington D.C., New Mexico, Arizona, Vermont, Ohio, Delaware, Maine, Georgia, Virginia and New Hampshire. Roger J. Muller, Jr. is a member of Sigma Xi, a lifetime member of the Hudson River Fishing Association, and Shriners-Salam Temple. A graduate of Ramapo College of New Jersey, Muller is a past board member of the Ramapo College Alumni. He has been a member of the Board of the Hoboken Chamber of Commerce since 2000 and served as Vice President in 2010.  He is a New Jersey Notary Public and a member of the Young Insurance Agents, NJ. He is a certified member of  the Hoboken Community Emergency Response Team (CERT) that responds to emergencies like building collapses, flooding and acts of terrorism.