A multifamily property is more than merely a collection of apartments—it’s a living ecosystem of residents, staff, and multifamily property operations systems that all have to work together every single day.
From leaky pipes and roof wear to storm damage and routine repairs, keeping these buildings running smoothly has always depended on a balance between good management and reliable insurance.
But, that balance is starting to shift. As multifamily property insurance renewals head into 2026, insurers are relying less on pricing alone and more on higher deductibles and retained risk. They are quietly changing how everyday property damage is paid for—and who ultimately bears the cost.
Dispatches From The Front 