Apartment Building Insurance

  • Apartment Building Insurance

    Apartment Building Insurance

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Apartment Building Insurance from State Insurance Group

When purchasing insurance for an apartment building, there are many different factors to take into consideration. The first thing that comes to mind is insuring for damage to the building and property, but that is only part of what’s necessary. Apartment building insurance should include liability insurance – since injuries may possibly occur to either tenants or guests.

Liability Coverage for Apartment Buildings is Required by Law

Liability insurance for apartment buildings includes both medical insurance and bodily injury insurance. Both types are required by law. The liability type insurance can include coverage for litigation costs.

Don’t Forget Repair and Maintenance

Apartment building insurance also should cover maintenance and repairs.
The building owner is responsible for maintaining the apartment building on all fronts: structural, mechanical, and electrical. Repairs to structures, equipment, plumbing, heating and air conditioning, and electrical systems are standard in any apartment building, and you, as the owner, are responsible for all of them.


Other Important Options to Consider:

There is also:

Insurance coverage to help an apartment building comply with local building and health codes.
Coverage for loss of income as well, for up to 12 months, if an apartment building is unable to sustain as many tenants for a period of time due to repairs or renovations.
Plate glass in the apartment building (This is covered separately from everything else).

State Insurance Group has apartment building insurance for every size apartment building. We link an apartment building owner with a variety of excellent choices at competitive rates.


Apartment Building Insurance | State Insurance Group

2455 Tamiami Trail, Port Charlotte, FL 33952

Call us at (941) 979-8426 or email us today for a free quote.

Multi Family Building Insurance

Multi Family Building Insurance

At State Insurance Group, we help you find the best fit for your multi family building insurance. We have top rated insurance companies as partners, and we write coverage for not only your primary home or secondary home, but for condo units and multi-family buildings that are part of your rental real estate investment strategy.

Unlike some insurance companies, we don’t promote insurance solutions from just a single provider. As an independent operation, we have aligned with multiple excellent carriers, so can provide you with a policy that best suits your unique needs and budget.

Our experienced staff compares and contrasts the different policy options available for multi family building insurance policies, empowering you to make an informed decision. Our goal is to provide you the coverage you need at a price that fits your budget.


A 2nd Generation of Florida Insurers

State Insurance is a second generation insurance agency here to serve the growing and unique insurance needs of multi family buildings in Florida. We understand the ins and outs of obtaining coverage in Florida.

Our brokers are highly trained professionals with years of experience and an in-depth knowledge of multifamily insurance and the commercial real estate arena in general.

Call us today at (941) 979-8426 to learn more about our customizable multifamily insurance solutions.


A Broad Range of Insurance Services

Have other commercial properties? Ask us for a custom commercial insurance quote on the following types of properties:

  • Commercial – Offices / Industrial / Retail
  • Hospitality
  • Senior Housing / Assisted Living
  • Condominium Association Insurance
  • Builder’s Risk

Multi Family Building Insurance | State Insurance Group

2455 Tamiami Trail, Port Charlotte, FL 33952

Call us at (941) 979-8426 or email us today for a free quote.

Chapman Insurance: Well-Established and Independent

  • Chapman Insurance | SW Florida

    Chapman Insurance | SW Florida

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Chapman Insurance: Well-Established and Independent

Chapman Insurance Group is a second-generation insurance agency for individuals and businesses in Southwest Florida.
We’ve partnered with top rated insurance companies writing coverage in Florida for primary homes, seasonal homes, condo units, as well as property you own and rent to others
Chapman Insurance is a full service, independent agency with a focus on long-term relationships. As your needs grow and change, we monitor them and suggest modifications to make sure your coverage stays consistent with your situation
We Understand All Types of Insurance

We offer policies in the following areas:

  • Auto insurance
  • Home Insurance
  • Watercraft Insurance
  • Liability Umbrella Insurance
  • Business and Commercial Insurance

We can give you on the spot comparisons between several eligible insurance companies in a manner that lets you compare “apples to apples”.

Our Best Value is our Free Consulting

Consulting with a professional at Chapman Insurance helps you know how much coverage you need and how the different insurance companies compare in what they offer. We’re here to educate you on the various options so you can make the right decision: to get excellent insurance at a practical price.

Chapman Insurance: How We Do Business

Our business process at Chapman Insurance is:

Finding and maintaining a qualified group of insurance companies
Meeting with you and creating a list of your coverage needs
Comparing the policies offered by each company that meet your needs and explaining them to you in everyday language
Helping you choose the best among several options so that you and your businesses are well-protected

Call and speak to one of our licensed agents and find out how best to protect your business. Or email us for a free quote. We serve the entire southeast Florida area.


State Insurance: Chapman Insurance Group

(941) 979-8426 | 2455 Tamiami Trail, Port Charlotte, FL 33952

Florida HOA Insurance Companies

Florida HOA Insurance Companies

State Insurance: Great Florida HOA Insurance

If you are a member of a Florida HOA (Homeowners Association) looking for a good insurance company, State Insurance can help you. We provide services for condominium-HOAs as well as other HOAs.

We work with a unique set of insurance companies. We have screened them; they are financially sound and have established an excellent reputation for providing coverage for HOAs. At your convenience, we’ll sit down together and discuss what type of coverage you need. Once we understand your needs, our software program quickly compiles a list of providers from amongst our qualified group of insurance companies.

HOA Insurance vs Standard Homeowners Insurance

One thing to remember when purchasing insurance for your HOA is that HOA insurance is actually business insurance. It covers different items from a standard homeowner’s policy. In addition, insurance coverage is mandated by the state of Florida for HOAs, whereas individual homeowners insurance is not.

What Coverage Does Your HOA Need?

The extent of your HOA insurance will depend on your situation; the property, the number of buildings, the equipment and the HOA employees (if any) that need to be covered. Because of the complexity of the various scenarios, it’s best to talk with a knowledgeable agent who’s experienced in HOA insurance.

Take Advantage of Our Expertise

To choose from the best Florida HOA insurance companies: call the professionals at State Insurance. Our mission is to help you manage the risks of everyday life and recover from the unexpected.


State Insurance| 2455 Tamiami Trail, Port Charlotte, FL 33952

Call us at (941) 979-8426 or email us today for a free quote.

Punta Gorda Insurance

  • SWFL Insurance

    SWFL Insurance

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The media is full of advertisements from large insurance companies that would lead you to think the only way to go is with them. However, savvy people know that the best way to buy Punta Gorda insurance is through an independent agent.

When you deal with an agent that is not affiliated with a specific company you have the advantage of being able to choose from an array of services and companies. The agent can meet with you and determine your Punta Gorda insurance coverage needs. He can then search among all of the companies that he works with to find the best fit at the best price. His advice will be unbiased because he does not work for a specific company and he will therefore have your best interests in mind rather than his company’s.

Punta Gorda insurance protection is more important now than ever and that especially applies to automobile policies. The dangers of driving a car seem to be increasing as more and more gadgets distract drivers’ attention. Driving under the influence of alcohol or drugs is an ongoing problem for some. Many people have let their insurance lapse due to the tough economy. All of these are reasons that you should be more diligent in securing the right coverage for you and your family.

Punta Gorda insurance for you home can be costly when you live in Florida. An independent agent can be your best tool for finding coverage that you can afford while still getting the financial protect that you need.

The staff at State Insurance has been in the industry for years. We represent some of the most trusted, financially sounds companies in the country. Call or come in to speak with ones of them today and they will be happy to help you find exactly the Punta Gorda insurance coverage you need whether it’s homeowners, automobile or commercial.

Punta Gorda Home Insurance Protects More Than Your House

Many people have Punta Gorda home insurance simply because their bank or mortgage holder requires them to do so. They require it because they have an interest in protecting the investment that they have in the structure of the house itself. Perhaps you haven’t realized how much protect a homeowners policy gives you as the homeowner.

The primary function of Punta Gorda home insurance that most people are familiar with is to repair or replace the house in the the event of a disaster. However, most policies also provide coverage for the contents of the house. When you consider that it has taken you a lifetime to accumulate your household goods you can see that it would be catastrophic to try and replace them all on your own. Take into account the costs of furnishings, appliances, computers and other personal possessions when you are thinking about this. It would take years to financially recover from replacing everything on your own; you might not ever be able to replace everything.

Another way Punta Gorda home insurance benefits you as the homeowner is liability protection . We live in a society where lawsuits are common. Any time another person is in your home or on your property there is the possibility of something happening that could result in a lawsuit. The financial loss that could result from a judgment against you could impact the rest of your life. The liability coverage of your Punta Gorda home insurance policy can protect you from financial losses that occur in these cases.

You need the advice of a trusted professional to help you determine the type and amount of Punta Gorda home insurance you need. The team at State Insurance has been serving the Southwest Florida community for over 20 years. They will be happy to meet with you to review your situation and help you get the financial protect that you and your family need.

Punta Gorda Insurance Agencies

There are many Punta Gorda insurance agencies in the area but they are not all equal. You need one that can offer you a reliable assessment or your needs and provide coverage at a fair price. The insurance agents at State Insurance have worked hard over the years to develop a reputation for fair dealings.

Our agency has over 26 years of experience serving the Southwest Florida area. On top of that, we are a second generation agency. Not all Punta Gorda insurance agencies can say that. We think that our longevity demonstrates our commitment to the area and to our customers. We are an independent office so we do not have an allegiance to one company; giving us the ability to work with a variety of hand selected firms that we feel can best serve our clients. Our access to the latest technology in the industry allows us to instantly check prices and offerings from multiple firms to get the best price for our customers.

Insurance can be confusing and we are here to help you understand it. We have come to believe that most customers want one risk advisor that can handle all of their needs. Our full service offerings let you place all of your needs in the hands of one trusted advisor who has developed a thorough knowledge of your business, home and financial needs. Building relationships with our customers is a primary goal for us. We think that we stand out among Punta Gorda insurance agencies for that reason.

State Insurance would like to be the one that you select to handle your risk management needs from among the Punta Gorda insurance agencies in the area. Call and set up an appointment today to discuss your situation. Whether you need homeowners’, condo, automobile or commercial policies we can help you find one to cover your risk and protect your assets.

Port Charlotte Condominium Insurance

  • SWFL Condo Insurance

    SWFL Condo Insurance

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Port Charlotte condominium insurance can offer you financial protection if your condo is hit by an unfortunate disaster such as a fire. Many condo owners think that they are covered by their association’s master policy but that is not usually the case. Owners need to maintain their own policy.

The master policy that is owned by your HOA often only covers the shell of the building. This is called bare walls in. If this is the case, the individual homeowners are responsible for the interior walls, flooring, countertops, cabinets and other items that make up the condo.

Another form of master policy is called an all in. In this type fixtures, flooring, installations, etc that are within the unit are covered. If your are under one of these you will require less Port Charlotte condominium insurance than someone covered by the other type.

They vary in what they cover so you need to check to make sure what is in the policy. It is a good idea to get a copy of the master policy and take it to your insurance agent; they will be able to tell you exactly what kind of coverage you need.

In any case, you need Port Charlotte condominium insurance to cover your personal goods and possessions that you have inside your home. You also need the protection of liability coverage so that in the event someone is injured while inside your condo you will not suffer financial loss if they bring a lawsuit.

Once you know what you need for your Port Charlotte condominium insurance to cover, you have to decide how you want to insure it. You can either insure your condo for cash value or replacement value. These two figures can vary widely and will make a difference in how much your premiums are.

The insurance professionals at State Insurance are very familiar with writing condo policies and will be happy to assist you and give you a quote. Call for an appointment today.

Punta Gorda Home Insurance

If you are like most people, your house is your biggest financial investment. A catastrophe that destroyed it would likely put you in a financial position that would be very difficult to recover from. That is why you need the protection that Punta Gorda home insurance can provide.

Risks are inherent in everyday life; we all live with them and accept them. But it is not necessary or wise to assume some risks. When you have Punta Gorda home insurance you are protecting yourself and your family from financial loss. Losses related to your house can come as the result of things such as fire, vandalism, theft or a lawsuit.

One of the purposes of Punta Gorda home insurance is to help you replace or rebuild your house in the event it is damaged or destroyed. Another purpose is to protect the possessions that are inside your home. The goods inside of your house are protected up to a certain limit as specified under your policy. You will likely have the option of increasing the amount of coverage for personal goods at an additional cost. It is a good idea to sit down and realistically calculate the value of your family’s possessions in order to be sure they are adequately covered.

In today’s society it is prudent to have liability coverage to protect you from legal action brought against you. This is included as part of Punta Gorda home insurance. It provides financial protection in the event that someone is injured on your property or otherwise has reason to bring a lawsuit against you.

Punta Gorda home insurance can offer a variety of coverages. Speak to a professional such as the ones at our office and let them help you craft a policy that meets your family’s needs. We can offer you the financial protection that you are looking for.

Punta Gorda Condo Insurance

  • Condo Insurance

    Condo Insurance

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There are many different kinds of Punta Gorda condo insurance policies in play when it comes to condominiums. Homeowners who own this type of housing need to carefully study the master insurance plan that covers their unit to familiarize themselves with what it actually covers. It is a good idea to take a copy of the plan to your professional insurance agent and let them study it so that nothing is missed.

Some people are under the mistaken impression that the master policy for the building or community covers everything in their home; however, most if not all owners need their own individual Punta Gorda condo insurance. Many master policies only cover the outside walls, roof and bare floors of the buildings. It may or may not cover things like electrical wiring or plumbing. It is up to the individual homeowner to secure coverage to pick up where this policy leaves off and cover any loss or damage to things like interior walls, floor coverings and fixtures.

Even if the master policy covers everything under roof for the unit, it will not provide coverage for personal possessions. It is up to each owner of a unit to supply Punta Gorda condo insurance to cover personal property such as furnishing, clothing and appliances. If items of extraordinary value are involved, such as jewelry, artwork or firearms, additional allowances will probably have to made for them.

Individuals also need Punta Gorda condo insurance to protect them from liability. If a person is injured or suffers a loss while in the condominium owner’s home that person may bring a lawsuit against the homeowner. Having condo liability can offer protection from the cost of answering such litigation as well as offering protection for assets.

Punta Gorda condo insurance is a proven way of safeguarding your home and assets. Talk to your professional insurance agent today to get the coverage you need to minimize your financial risk.

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