Real Estate & Property Management Insurance

Protection for the properties—and people—you manage.

From apartment buildings and rental homes to office parks and mixed-use spaces, real estate businesses face unique risks every day. Whether you're a landlord with two units or a full-time property manager overseeing dozens of buildings, the right insurance keeps your investments safe, your tenants protected, and your operations running smoothly.



At Spectrum Insurance, we help real estate professionals across Connecticut build custom insurance packages that align with their portfolios, lease agreements, and long-term goals. We shop over 25 top-rated carriers to find coverage that checks all the boxes—without overpaying for what you don’t need.

What We Cover for Property Owners & Managers

• Commercial Property Insurance – Covers the structure itself from fire, storms, and other damage
• General Liability – Protection from tenant or visitor injuries and property damage claims
• Loss of Rental Income – Helps replace income if a covered event makes a unit uninhabitable
• Umbrella Insurance – Extra liability protection for larger portfolios or higher-risk properties
• Workers’ Compensation – If you have on-site staff or maintenance crews
• Equipment Breakdown – Covers things like boilers, elevators, and HVAC systems

Real-World Example: The Frozen Pipe

You manage a small multi-family property in northern Connecticut. In February, a frozen pipe bursts in one unit, damaging the kitchen, flooring, and a tenant’s belongings. The repairs take two weeks—and you have to cover temporary housing.

Your commercial property and liability policies cover the repairs and damages, and your business income protection helps offset the lost rent while the unit is being restored.

Why Property Managers Work with Spectrum

• We know leases and landlords. We help you meet insurance requirements for both tenants and lenders.
• We support growth. Whether you manage one property or fifty, we can scale your coverage as you grow.
• We’re Connecticut-based. From winter weather to tenant laws, we understand the local risks.
• We’re responsive. Need proof of insurance fast for a new lease or investor? We’ve got you.

Let’s Protect Your Properties—and Your Income

You handle the headaches of property ownership every day. Let us handle the insurance part.

Start Your Quote Today

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Get a Quote Today

At Spectrum Insurance, we compare quotes from top-rated carriers across Connecticut, tailoring coverage to your specific needs, industry, and budget. You tell us what you do—we’ll find the right fit, explain it clearly, and make sure you’re not overpaying.