Georgia’s 2025 tort reform changed the rules for apartment owners, but it didn’t shrink the risk. SB 68 narrows negligent security claims, yet juries can still award large damages. That gap is where umbrella insurance for apartment buildings earns its keep, because it adds limits above your primary policies. Owners who skip that layer bet their equity on fewer lawsuits, and that bet rarely pays off. Here’s what changed, what didn’t, and how to build a smarter liability plan.

Yes, in many cases your policy is leaving money behind, because carriers are competing harder for apartment business, and owners who simply sign the expiring terms often overpay. A well-prepared multifamily insurance renewal gives you the chance to push for lower premiums, better limits, and cleaner terms while capacity is plentiful. The savings rarely appear on their own, since carriers reward owners who bring organized loss data, accurate values, and a clear story about eac

If you own or manage a multifamily property in the state, working out what Georgia apartment building insurance should actually cover is one of those tasks that feels simple until you start reading the policy wording. Georgia's Department of Insurance has reported single storm events generating over 4,000 claims and more than $75 million in insured losses, and that figure typically doesn't even include commercial damage. At Moore Multifamily, we spend most of our working week

There is no shortage of financial considerations for the owner of an apartment complex, and there is none more perplexing than the amount you must pay for insurance coverage. Every year, you receive a renewal letter and ponder the reason behind its different cost. To put it simply, factors such as age, location, claim history, and materials determine your cost of apartment building insurance. The purpose of this blog post is to examine what influences your premium and how yo