Protect yourself against expensive liability claims and insure proper repair or replacement of damaged property.

The advantage of having Bill Terry Insurance as your agent:

We have specialized in Apartment Owners’ Insurance for over 35 years and can give you the service only our expertise and experience can provide. Our agents give you individual attention, providing you with honest and no-nonsense advice. We believe that insurance coverage is about you, not us.


Buildings – Structures including:

  • Apartment building
  • Office
  • Laundry
  • Club house & recreation buildings
  • Carports and garages

Other Property:

  • Patio & pool furniture
  • Washers & dryers
  • Refrigerators
  • Window treatments, etc.

Other Structures:

  • Walls/Fences
  • Driveways/Walkways
  • Tennis courts
  • Pools
  • Play equipment, etc.

Loss of Rents

Other Policies Available:

  • Earthquake
  • Flood
  • Workers’ Compensation


General Liability – Insures the Owner against claims arising from Bodily Injury or Property Damage. Includes costs to defend the Owner against claims alleging damages even if the Owner is not negligent.

Occurrence – A single incident that results in injury or damage neither expected nor intended by the Owner.

General Aggregate – The most the insurance company will pay for any and all liability occurrences or losses during any one policy year.

Personal Injury – Insures against:

  • Wrongful eviction & wrongful entry
  • Liable, slander and defamation of character
  • Invasion of privacy
  • False arrest & imprisonment
  • Malicious prosecution

Medical Payments – Covers the medical expenses of members of the public injured on the property.

Hired Auto Liability – extends liability to a third party if you cause an accident while you are driving a rented, leased or borrowed vehicle for business.

Non-Owned Auto — extends liability to a third party if an employee causes an accident while using his or her vehicle to run an errand for you.

It is time for you to work with an agency that understands apartment building insurance coverage.

Contact Bill Terry Insurance Agency today to experience that expert, yet personal service.