Apartment building insurance coverage consists of many facets. As an apartment building owner, you have to think about the unforeseen catastrophe. A fire may be the most disastrous of property claims, but water damage, vandalism and other direct physical losses are not to be overlooked. Here at apartment insurance we think of everything. We start by gathering the information about your building, and you as an owner. We work as a team to secure the right apartment owners coverage and are always looking for the lowest cost. Liability lawsuits are scary. The last thing any of us want to have to encounter is to settle a liability lawsuit. It can not only be financially disastrous but can also exhaust you mentally. The most important part of your insurance coverage may be the liability, as it pays the settlement if you are found liable, and more importantly covers the defense costs associated with the suit.