Creative Solutions For Your Business

Habitational Risks

Merit’s habitational team includes the agencies three principles; we have been saving our apartment client’s money for over 40 years.  We utilize special programs that are not readily available to other broker/agents, as well as traditional markets, to make sure our clients have “A” rated coverage at a reduced cost.

Property and casualty rates have been going up so don’t be caught “off guard”.  We will professionally present your insurance program to a carefully selected group of insurance markets based on your specific risk profile.  Whether you have 100 units or 10,000 units, we have the “tools” to deliver.


  • Multiple Location/Multiple State
  • All Risk Property coverage with reasonable deductibles on Class A, B and C properties
  • Full Replacement Cost Coverage without deduction for depreciation
  • No Coinsurance of Coinsurance with Agreed Amount
  • Loss of Rental Income with Extra Expense
  • Deductible Buy Downs
  • Equipment Breakdown
  • Comprehensive General Liability
  • Hired and Non-Owned Auto Liability
  • Umbrella Liability
  • Worker’s Compensation or Texas Non-Subscriber Program

We Know Apartments!