Coverage review
Property
Landlord Coverage Review
Review coverage options for your rental property, based on its building type, occupancy, and location. This is a coverage inquiry, not a separate landlord policy.
Insurance for Property Owners and Community Associations.
Explore Your Coverage
Compare property products and coverage inquiries. Eligibility depends on your building, location, and the product selected.
Why Property Owners Choose Corgi
Coverage Based on the Building
Commercial Property considers construction, occupancy, roof condition, and loss history. Building and contents limits reflect the property you need to insure.
Options You Can Review
Review optional business income, water backup, and ordinance or law coverage alongside the building limit. Each option has its own terms and must be selected.
A Package for Your Association
The Community Association Package includes property coverage with optional liability. D&O and crime options are available for eligible HOA, townhome, and master associations that select liability.
FAQ
Explore Commercial Property, property-owner Commercial General Liability, and the Community Association Package. Landlord and portfolio reviews help identify eligible options for each property.
Commercial Property covers eligible buildings at replacement cost and can include an elected limit for furniture, equipment, and stock. Business income and extra expense, water backup, and increased ordinance or law coverage are optional. Coverage depends on the selected limits, covered causes of loss, exclusions, and conditions. The product starts with a single commercial building; additional locations require review, and wind coverage does not apply at unscheduled locations.
This CGL product is for apartment owners and shopping-center lessors, not general small-business operations. It covers eligible third-party bodily injury and property-damage claims. Defense costs count toward the policy limit, reducing the amount left for settlements and judgments. Apartment deductibles also apply to defense costs. Shopping-center eligibility includes tenant uses, occupancy, and property-management requirements.
No. The Community Association Package excludes California wildfire through an attached policy endorsement. This restriction is specific to that package; the separate Wildfire Liability offering should not be assumed to cover an association's property losses.
Commercial Property offers wind and hail deductibles of 1%, 2%, 3%, 5%, or 10% of insured value, with a $25,000 minimum. Association terms depend on community type and location. Condo and co-op wind deductibles are percentage-based in wind-exposed states; where a flat-dollar wind deductible is offered for an HOA, townhome, or master association, the minimum is $5,000. Your quote and policy specify the applicable deductible.
Commercial Property, property-owner Commercial General Liability, and the Community Association Package are issued by Corgi Insurance Company on a non-admitted, surplus lines basis and placed through a licensed surplus lines broker. Applicable surplus lines taxes and fees are added to the premium. These policies are not protected by state insurance guaranty funds. This description does not apply to every product offered by Corgi.
Pricing uses the information in your application, and some submissions require underwriting review or additional documents before a quote or coverage can be confirmed. Commercial Property and Community Association applications may need further review. An application or quoted price does not start coverage; check the binder or issued policy for confirmation and the effective date.
The five cards are not one bundle. Commercial Property and property-owner Commercial General Liability are separate products. The Community Association Package includes property coverage, with general liability available as an option. D&O and crime are optional for HOA, townhome, and master associations only, and require general liability. Landlord and rental-portfolio reviews are inquiries, not separate policies.
Commercial Property, property-owner Commercial General Liability, and the Community Association Package are available to eligible applicants in Alaska, Alabama, California, Colorado, Delaware, Hawaii, Illinois, Indiana, Minnesota, Nebraska, Nevada, Pennsylvania, South Dakota, Wisconsin, Wyoming, and Washington, D.C. Eligibility also depends on the property and product. These products are not offered outside those jurisdictions, including Georgia. An inquiry or quote is not confirmation that coverage has started.
Property policies can be changed mid-term by endorsement, subject to review and the policy terms. Request changes to insured property, limits, or named parties before assuming they are covered. Ask Corgi for the right service contact. For claims, follow the reporting instructions in your policy documents.
- Property addresses, uses, unit counts, and replacement values
- Construction, building and roof ages, renovations, and fire protection
- Five years of loss history, current policies, and renewal dates
- Lender requirements and, for associations, governing documents and shared-property responsibilities
Can’t find an answer to your question? Get in touch
Insurance for Property & Real Estate
Landlord Coverage Review
Review coverage options for your rental property, based on its building type, occupancy, and location. This is a coverage inquiry, not a separate landlord policy.
Coverage focus
Share the address, building type, number of units, occupancy, and current use.
Eligible apartment buildings may fit Commercial Property and property-owner CGL, subject to separate eligibility reviews.
This review does not offer a separate dwelling-fire or short-term-rental policy.
Rental-Property Owners Reviewing Their Insurance Options.
Review coverage options for your rental property, based on its building type, occupancy, and location. This is a coverage inquiry, not a separate landlord policy.
Rental Portfolio Coverage Review
Review your rental properties with Corgi. Eligibility is assessed by location; this inquiry does not promise one policy covering the entire portfolio.
Coverage focus
Bring a location schedule, insured values, current policies, and renewal dates.
Each building is reviewed for its use, construction, occupancy, and location.
Commercial Property starts with a single building. Additional-location terms require review; wind coverage does not apply at unscheduled locations.
Owners Reviewing Insurance across Multiple Rental Properties.
Review your rental properties with Corgi. Eligibility is assessed by location; this inquiry does not promise one policy covering the entire portfolio.
Community Association Package
Property coverage for condo, HOA, townhome, co-op, and master associations, with optional liability. D&O and crime options depend on association type. California wildfire is excluded.
Coverage focus
Property is included. General liability is optional; D&O and crime are optional for HOA, townhome, and master associations only and require general liability.
For condo and co-op associations, lost income, water backup, and ordinance or law coverage are optional additions.
California wildfire is excluded. Wind and hail terms depend on community type and location; flat-dollar wind deductibles have a $5,000 minimum.
Condo, Townhome, HOA, Co-op, and Master Associations.
Property coverage for condo, HOA, townhome, co-op, and master associations, with optional liability. D&O and crime options depend on association type. California wildfire is excluded.
Commercial Property
Coverage for eligible commercial buildings you own or lease, with optional contents and business income coverage. Limits, deductibles, and covered causes of loss depend on the policy.
Coverage focus
Building coverage uses replacement cost. Furniture, equipment, and stock can be insured through an elected business personal property limit.
Business income and extra expense, water backup, and increased ordinance or law coverage are optional, with their own limits.
Wind and hail deductibles are 1%, 2%, 3%, 5%, or 10% of insured value, subject to a $25,000 minimum. Other-peril deductibles range from $2,500 to $100,000.
Owners and Lessees of Eligible Commercial Buildings.
Coverage for eligible commercial buildings you own or lease, with optional contents and business income coverage. Limits, deductibles, and covered causes of loss depend on the policy.
Commercial General Liability for Property
Liability coverage for apartment owners and shopping-center lessors against covered third-party injury and property-damage claims. Defense costs count toward the policy limit.
Coverage focus
For covered third-party bodily injury, property damage, and related legal defense. This product is not general liability for all small businesses.
Defense costs reduce the limit available for settlements and judgments. Apartment deductibles also apply to defense costs.
Assault and battery is optional, with a $25,000 per-claim and annual limit including defense. It is excluded if the option is not selected.
Apartment Owners and Shopping-Center Lessors.
Liability coverage for apartment owners and shopping-center lessors against covered third-party injury and property-damage claims. Defense costs count toward the policy limit.