‘Your Own’ Apartment Policy

This package is available for any properties larger than a 4-plex. Discounts are available for Condos and 55+ Facilities.

Policy Features

Applicable Extensions

Every Red River Mutual commercial package includes an additional bundle of more than 50 extensions that provide over $1,000,000 in extra coverage to meet your unique business needs. Below are some of the key extensions we added to ‘Your Own’ Apartment/Condo Policy:

  • 3D Crime Coverage
    • Employee Dishonesty
    • Loss Inside the Premises
    • Loss Outside the Premises
    • Money Orders and Counterfeit Paper Currency
    • Depositors Forgery
    • Computer Theft and Funds Transfer
  • Accounts Receivable
  • Blanket Bylaws
  • Building Damage by Theft
  • Conviction Reward
  • Coverage for Roadways, Walkways, And Parking Lot Paved Surfaces, or Other Exterior Paved Surfaces
  • Debris Removal
  • Disappearing Deductible for Fire Losses
  • Extra Expense
  • Fire Department Expenses
  • Fire Suppression System Recharge
  • ‘Green’ Environment Extension
  • Growing Plants Trees Shrubs or Flowers in the Open
  • Inflation Protection
  • Master Key / Lock Repair or Replacement
  • Mortgage Rate Guarantee
  • Newly Acquired Locations
  • Newly Acquired Property
  • Off-Premises Utilities Interruption
  • Personal Property of Officers, Employees, Volunteers & Visitors
  • Professional Fees
  • Property in Transit
  • Removal of Windstorm Debris
  • ‘Safety Net’ Clause
  • Same Site Rebuilding Clause Deleted
  • Sign Coverage
  • Tool Floater with 5yr Replacement Cost
  • Valuable Papers



Download — ‘Your Own’ Apartment Policy