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Owner Insurance

We prefer Apex Asset Management properties to be wisely insured!

Apex Asset Management was accepted as an Approved Property Manager by a leading A-rated insurance company, American Western Insurance through Grona Boles & Martin Insurance Agency Inc.

Because of Apex's outstanding reputation and business practices, you have immediate access to an exclusive investor grade insurance program that can improve your cash flow and properly protect your assets. This program is unique because you receive very competitive property and liability insurance and the necessary additional liability coverage required by The TEXAS ASSOCIATION OF REALTORS® Management Agreement at a substantial discount for properties under management with Liberty Management. Inc.

Investor insurance is inherently more complex and much less standardized than your average homeowner's insurance products that you are most familiar with. That's why it is crucial that you understand what you need to purchase to mitigate coverage holes; otherwise, you risk losing hundreds or thousands of dollars.

Below is a list describing essential coverage options that you should include on every investment policy. Be careful; many of these coverage enhancements are not available with your typical home and auto insurance company. That's why it is imperative that you discuss this with a licensed Texas insurance professional that understands your unique needs as a Texas real estate investor.

Property Manager Listed as Additional Insured

Did you know that The TEXAS ASSOCIATION OF REALTORS® Management Agreement requires you to list the property management company as an additional insured on your policy? If you don't have this protection, you are violating the contractual agreement between you and your management company. This protection is provided for FREE by many reputable insurance carriers.

100% Replacement Cost

Minimum coverage of $65-$70 per square foot in Texas is recommended to ensure your same property is rebuilt completely in the event of total loss.

Landlord Liability Protection

Did you know that many basic policies only cover up to $100,000 of liability per property? This may barely be enough to pay legal fees, much less to indemnify for actual damages. Coverage of at least $300,000-$500,000 is required.

Accidental and Sudden Discharge of Water or Steam

Coverage for water heater bursts, pipe breaks, and other common plumbing issues are regularly left off basic policies and are some of the most common claims payouts.

Dwelling vs. Homeowner's Policy

If you have a homeowner's policy on your investment property, you need to switch to a dwelling policy immediately. Your current policy has a provision in it that excludes coverage if you do not occupy the home.

Lower Deductibles

Unlike most companies who require a deductible of 1 % of the value of the dwelling, ... our program has a flat $1,000 for all perils.

Vacancy Clause

Most dwelling policies exclude coverage for any property left vacant for 60 days or longer. If your home is vacant, you need to be temporarily switched to a vacant home policy to be eligible for a claims payout.

We Offer Optional Coverage Loss of Rents

If your property is significantly damaged due to a covered claim, your tenant will move out and more than likely not pay rent. With this endorsement, the insurance policy pays you the rent for up to six months while the home is being repaired / rebuilt.


Our Program requires no credit checks.

Entity Flexibility

Our program covers properties owned by Trusts, LLC's and Partnerships.

Today’s rising cost can make a significant impact on investment returns of your rented real estate. Grona Boles & Martin Insurance understands the rental business and has an insurance program tailored to meet your needs.

To Request a FREE INSTANT quote for Investor Grade Insurance for Liberty Management Owners click below:

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