Insurance in PDFs and inboxes
Millions of dollars in premiums tracked through documents, emails and spreadsheets, with no portfolio view.
For multifamily owners & developers
Know Your Insurance. Reduce Your Risk. Optimize Your Portfolio.
InsuredAI gives multifamily owners and developers complete transparency into their insurance programs, from portfolio-wide visibility and risk analysis to acquisitions and competitive insurance placement.
The challenge
The insurance challenges owners and developers face
Coverage you can’t see clearly
Gaps, exclusions and sub-limits hide in long policies until a claim exposes them.
Solved byRisk & Coverage Analysis
Risk that drives the price
Natural hazards and claims history shape every renewal, but owners rarely see their portfolio the way underwriters do.
Solved byProperty Risk Scoring Property & Liability Insurance
Surprises at acquisition
Insurance cost and coverage problems found after closing can change the economics of a deal.
Solved byAcquisition Intelligence
Unified Insurance PlatformYour Entire Insurance Portfolio. Finally in One Place.
Most property management systems track leasing, accounting and operations in detail, but insurance still lives in PDFs, emails and spreadsheets.
InsuredAI brings every policy, premium, renewal, claim and schedule of values into one platform, so owners see their whole insurance program at a glance.
What we offerYour insurance program, organized
Portfolio insurance dashboard
Every property, policy, premium and renewal across the portfolio, in one view.
- Who benefits
- Owners, asset managers and finance teams.
- How it works
- Forward or upload your documents. The dashboard fills in as each one is read.
Policy library
Every policy organized by property, with limits, deductibles, exclusions and endorsements easy to find.
- Who benefits
- Anyone who needs to answer “are we covered?”
- How it works
- AI extracts each policy’s terms and links them to the right properties.
Schedules of values
Building values and property details kept current, property by property.
- Who benefits
- Owners heading into renewal or taking a program to market.
- How it works
- Upload your SOV once, and changes are tracked year over year.
Renewals and claims
Upcoming renewals and open claims for every property, months ahead.
- Who benefits
- Teams planning renewals and managing losses.
- How it works
- Renewal dates and loss runs are tracked automatically.
How it works
- 01UploadForward policies, SOVs and loss runs
- 02ExtractAI reads every document
- 03OrganizeBy property, policy and renewal
- 04MonitorRenewals, gaps and claims tracked
Why InsuredAI
- Built for multifamily portfolios. Organized by property, unit and policy, the way owners manage.
- Platform and broker in one. See your program and act on it with the same partner.
- Works with what you have. PDFs, spreadsheets and email attachments are all fine.
- Portfolio reporting. Premium per unit, coverage and renewals reported across the portfolio.
AI & automation
- Policy Analysis agent. Reads each policy and extracts its terms, limits and endorsements.
- Coverage Intelligence. Flags coverage gaps across the portfolio.
- Insurance Advisor. Answers questions about your program in plain English, citing the policy page.
Total annual premium$8.92M−4.8% vs last year$716 per unit
insured.ai/Portfolio overview48 propertiesPolicy year 2026
Properties4812,460 units
Active policies186Across 6 lines
Renewals in 90 days7$1.4M premium
Premium per unit$716▼ −4.8%
Premium per unitTop 5 propertiesLast yearThis year
Bayside Lofts-10%
Cedar Row-8%
Harbor Point+3%
Summit Ridge-8%
Maple Commons-6%
Premium by coverage$8.92M
- Property$6.07M68.0%
- General liability$1.69M18.9%
- Umbrella & excess$0.80M9.0%
- Other$0.36M4.0%
2 overlapping liability policies found
Upcoming policies to renewNext 120 days
| Property | Line | Premium | Renews | Status |
|---|---|---|---|---|
| Cedar Row | Property | $412K | Jan 14 | In 69 days |
| Harbor Point | General liability | $96K | Feb 2 | Renewal prep |
| Bayside Lofts | Property | $388K | Mar 1 | Flood sub-limit below loan |
| Summit Ridge | Umbrella | $64K | Mar 19 | On track |
Illustrative dashboardTracks total properties, units, annual premium, active policies, upcoming renewals and premium per unit.
Business value & performance
Stop managing millions of dollars in insurance through PDFs, emails, and spreadsheets.
- Total visibilityPremiums, coverage and renewals for every property in one place.
- Better renewalsClean data and history ready before the renewal starts.
- Less adminNo more hunting through inboxes for the right policy.
AI Insurance AdvisorYour Most Knowledgeable Insurance Advisor. Available 24/7.
Insurance policies run to hundreds of pages, and the answer to a simple question is usually buried in an endorsement or an exclusion.
InsuredAI’s advisor knows your portfolio and your policies. Ask a question in plain English and get a clear answer based on your actual insurance documents, with the page it came from.
What we offerInsurance answers when you need them
Coverage questions
“Are we covered for flood at this property?” answered from your own policies.
- Who benefits
- Owners, asset managers and property teams.
- How it works
- Ask in plain English. The advisor reads the policies on file for that property.
Clause and exclusion explanations
What a clause, sub-limit or exclusion means for your property, explained simply.
- Who benefits
- Anyone who isn’t an insurance specialist.
- How it works
- Every answer cites the policy and page it came from.
Portfolio questions
Which properties have low liability limits, open claims or renewals coming up.
- Who benefits
- Executives and portfolio managers.
- How it works
- The advisor looks across every property, policy and claim on file.
How it works
- 01AskA question in plain English, any time
- 02SearchThe advisor reads your policies
- 03AnswerA clear answer with the page cited
- 04ActNext steps, with your broker when needed
Why InsuredAI
- Answers from your documents. Grounded in your actual policies, not generic insurance content.
- Every answer shows its source. The policy and page, so you can check it yourself.
- Backed by a licensed broker. When a question needs a decision, your InsuredAI broker is there.
AI & automation
- Insurance Advisor agent. Reads the policies, properties and claims in your account and answers in plain English.
- Cited answers. Each answer points to the policy and page behind it.
- Available 24/7. No waiting for a callback to get a coverage answer.
Policies the advisor can read18648 properties · 1,240 documentsUpdated as new documents arrive
insured.ai/Insurance AdvisorAll properties
Ask anythingBayside Lofts
Are we covered for flood damage at Bayside Lofts?
Insurance Advisor
Partly. Flood is covered up to a $2.5M sub-limit per occurrence, with a $250,000 deductible. Bayside Lofts is in FEMA flood zone AE, so a large flood loss could exceed the sub-limit.
Property policy · p. 31Flood endorsement · p. 47
Which properties have liability limits under $5M?
Insurance Advisor
3 of 48 properties: Cedar Row ($2M), Summit Ridge ($3M) and Lakeside Flats ($4M). Two of them renew in the next 6 months.
Umbrella schedule · p. 4
Ask anything about your insurance…
Knowledge baseThis portfolio
- Documents read
- 1,240
- Policies
- 186
- Properties
- 48
- Claims on file
- 312
- Questions this month
- 264
- Last updated
- Today
Illustrative dashboardTracks documents analyzed, policies available to the advisor, properties covered, questions answered and source references provided.
Business value & performance
Expert-level insurance intelligence, instantly accessible to every property owner.
- Answers on the spotCoverage questions answered when they come up.
- Fewer surprisesKnow what’s excluded before a claim, not after.
- Shared knowledgeEveryone on the team gets the same sourced answer.
Risk & Coverage AnalysisKnow What's Covered. Discover What's Missing.
Renewal proposals and quotes rarely line up term by term. Without a careful read, a lower premium can hide a higher deductible, a new exclusion or a smaller sub-limit.
InsuredAI analyzes your current policies, renewal proposals and alternative quotes to show what’s covered, what’s missing and what’s changed, before you decide.
What we offerA clear read on every policy and proposal
Policy review
Your current policies read line by line: limits, sub-limits, deductibles, exclusions and endorsements.
- Who benefits
- Owners preparing for a renewal or a refinance.
- How it works
- Upload the policy, and the review is organized by property and coverage.
Coverage gap analysis
Missing or low coverage identified against what your properties need.
- Who benefits
- Asset managers and risk teams.
- How it works
- Gaps are flagged property by property, with the policy language behind them.
Renewal and quote comparison
Current policy, renewal proposal and alternative quotes side by side, term by term.
- Who benefits
- Owners choosing between options.
- How it works
- Every proposal is read the same way, so the differences are easy to see.
Recommendations
Where to raise limits, remove an exclusion or save premium, in priority order.
- Who benefits
- Decision makers at renewal.
- How it works
- Each recommendation shows the policy terms behind it.
How it works
- 01UploadPolicies, proposals and quotes
- 02AnalyzeAI reads every term and endorsement
- 03CompareOptions side by side, term by term
- 04DecideClear recommendations before you bind
Why InsuredAI
- Broker-grade analysis. Policies read the way an experienced commercial broker reads them.
- Term by term, not a summary. Premium, deductibles, limits and exclusions compared line by line.
- A portfolio-level view. Patterns across all your properties, not one policy at a time.
AI & automation
- Quote Comparison agent. Lines up every proposal term by term.
- Coverage Intelligence. Flags exclusions, sub-limits and gaps automatically.
- Policy Analysis. Reads every endorsement, so nothing hides in the fine print.
Savings vs renewal proposal$41KAlternative quote, no coverage cutsHarbor Point · 240 units
insured.ai/Renewal analysisHarbor PointPolicy year 2027
Policies analyzed18648 properties
Coverage gaps73 high priority
Proposals compared9Next 120 days
Savings found$214KAcross 6 renewals
Harbor Point · property programSide by side
Current policyExpires Jan 1Renewal proposalIncumbent carrierAlternative quoteMarket option
Annual premium$312,000$350,700$309,600
Premium per unit$1,300$1,461$1,290
AOP deductible$25,000$25,000$25,000
Wind / hail deductible2%5%2%
Flood sub-limit$2.5M$2.5M$5M
ExclusionsStandardNew mold exclusionStandard
Liability limit$1M / $2M$1M / $2M$1M / $2M
The alternative quote keeps the current terms, doubles the flood sub-limit and saves $41,100 against the renewal.
Illustrative dashboardTracks policies analyzed, coverage gaps identified, renewal proposals compared, premium differences, coverage improvements and savings opportunities.
Business value & performance
Make better insurance decisions with complete transparency into price, coverage, and risk.
- No hidden trade-offsSee what a lower premium really costs in coverage.
- Stronger negotiationsSpecific asks for the carrier, backed by the policy terms.
- Confident decisionsEvery option compared the same way.
Property Risk ScoringUnderstand the Risk of Every Property in Your Portfolio.
Underwriters price every property on its risk: location, construction, natural hazards and claims history. Owners rarely see the same picture.
InsuredAI turns property, hazard and claims data into a clear risk view for every property, so owners can see where they’re exposed and where improvements will matter most.
What we offerSee your portfolio the way underwriters do
Natural hazard exposure
Flood zone, wind, wildfire and earthquake exposure for every address, from FEMA data.
- Who benefits
- Owners with properties in hazard-prone markets.
- How it works
- Each property is geocoded and matched to FEMA hazard data automatically.
Property risk score
One score per property, combining hazard exposure, building details and claims history.
- Who benefits
- Portfolio and asset managers comparing properties.
- How it works
- Every property is scored the same way, so scores can be compared.
Claims history analysis
Loss frequency and severity by property and cause of loss, from your loss runs.
- Who benefits
- Owners heading into renewal.
- How it works
- Loss runs are read automatically and grouped by property.
Risk reduction priorities
The improvements most likely to lower risk, ranked property by property.
- Who benefits
- Teams planning capital spending.
- How it works
- Each recommendation ties the action to the risk driver behind it.
How it works
- 01LocateEvery property geocoded and mapped
- 02ScoreHazards, building and claims combined
- 03CompareProperties ranked across the portfolio
- 04ImproveActions where risk is highest
Why InsuredAI
- The underwriter’s view, for owners. Know how carriers are likely to see each property before renewal.
- Comparable across the portfolio. The same method applied to every property.
- Tied to your insurance. Risk viewed next to each property’s coverage and claims.
AI & automation
- Risk Assessment agent. Combines hazard data, property details and claims into one view.
- Automatic hazard enrichment. Every new property is geocoded and matched to FEMA data.
- Loss Run agent. Reads carrier loss runs and builds the claims history behind the score.
Portfolio average risk score47/100−4 points since last year48 properties scored
insured.ai/Property riskAll properties2026
Properties scored4811 states
High risk6Score 70+
Moderate19Score 50 to 69
Low23Under 50
Risk heatmap48 propertiesLow · 23Moderate · 19High · 6
415828504229593051441260315443156132786418623374572063347352226535725324663671552567387056266839
Highest riskMain driver
Bayside Lofts · 78Flood zone AEHigh
Gulfview Commons · 74Coastal wind exposureHigh
Marina Heights · 73Three water claims in two yearsHigh
Pinecrest Villas · 72Wildfire exposureHigh
Illustrative dashboardTracks property risk scores, the portfolio average, highest-risk properties, risk distribution, claims frequency and risk trends.
Business value & performance
Understand where your portfolio is exposed and where risk reduction efforts can have the greatest impact.
- Targeted spendingRisk reduction budget aimed at the properties that need it.
- A better renewal storyShow underwriters the risks you know about and what you’ve done.
- Fewer surprisesHazard exposure known before it shows up in a quote.
Acquisition IntelligenceKnow the Insurance Risk Before You Buy the Property.
Insurance is a major line in every multifamily underwriting model, and a surprise at closing can change the economics of a deal.
InsuredAI reviews the insurance side of a deal before you buy. It reads the deal documents, scores the property’s risk, flags what could hurt you at closing and benchmarks expected insurance cost against comparable deals.
What we offerInsurance due diligence for every deal
Deal document review
The offering memorandum, rent roll, SOV, loss runs and current insurance read for the details underwriters care about.
- Who benefits
- Acquisitions and investment teams.
- How it works
- Upload the deal package. Every extracted field is cited to its source file.
Insurance risk score
Each property scored from 0 to 100 on hazard exposure, premium drivers and claims history.
- Who benefits
- Investment committees comparing deals.
- How it works
- A consistent, versioned scoring model, so every deal is scored the same way.
Closing risk callouts
Coverage shortfalls against the loan, replacement cost gaps, flood exposure and large claims flagged before closing.
- Who benefits
- Deal teams working to lender requirements.
- How it works
- Each callout explains what was found and where.
Cost benchmarks and quotes
Expected insurance cost benchmarked against comparable deals, and competitive quotes when you’re ready.
- Who benefits
- Buyers building the insurance line in their model.
- How it works
- Comparables come from deals in the same state and construction class.
How it works
- 01UploadDeal documents, from the OM to loss runs
- 02AnalyzeRisk score and closing callouts
- 03BenchmarkExpected cost against comparable deals
- 04CloseAcquired deals move into your portfolio
Why InsuredAI
- The insurance view before you sign. Know the insurance story while you can still negotiate.
- Benchmarks from real placements. Comparable deals from our own book, anonymized.
- From deal to policy in one place. When you close, the property and its data move straight into your portfolio.
AI & automation
- AI reads the deal package. Dozens of underwriting fields extracted, each with a confidence level and its source.
- Consistent scoring. Scores come from a versioned rules model, and AI explains the results in plain English.
- Automatic hazard check. FEMA flood, wind, wildfire and earthquake data at the property’s address.
Insurance risk score62/100Watch · 4 closing calloutsWillow Creek · 312 units · Austin, TX
insured.ai/AcquisitionsWillow CreekConsidering
PropertyFrom the deal package
- Location
- Austin, TX
- Units
- 312
- Year built
- 1998
- Construction
- Frame, 3 stories
- Insured value
- $61.2M
- Flood zone
- AE
Insurance risk scoreThree pillars
62/100Watch
- Environmental (30%)48Risk
- Premium factors (35%)71Good
- Claims history (35%)64Watch
AI due-diligence findings4 callouts
Flood exposureZone AE, and the current program has no flood coverageHigh
Replacement cost gapInsured value is 31% below estimated replacement costHigh
Large loss$184K water claim in 2024, still open on the loss runMedium
Lender requirementThe loan requires a waiver of subrogation the policy doesn’t includeMedium
Comparable dealsTexas · frame
| Deal | Units | Rate per $100 |
|---|---|---|
| Comparable A | 288 | $0.52 |
| Comparable B | 340 | $0.58 |
| Comparable C | 264 | $0.61 |
Illustrative dashboardShows the property’s location, units, characteristics, risk indicators, a cost benchmark from comparable deals and AI due-diligence findings.
Business value & performance
Avoid insurance surprises that can materially impact acquisition economics and future NOI.
- No closing surprisesCoverage and cost issues found during diligence.
- Sharper underwritingA realistic insurance line for the model.
- Faster diligenceDeal documents read for you, with sources.
Property & Liability InsuranceSmarter Insurance. Better Coverage. Competitive Quotes.
Property and liability insurance is a major operating cost for multifamily owners, and the market shifts every year.
InsuredAI combines a licensed brokerage with insurance technology. We prepare your submission from real property data, take it to market, compare quotes on coverage and price, and structure a program that fits your portfolio.
What we offerCoverage we place for multifamily owners
Commercial Property
Buildings, business income and equipment against fire, wind, water and other covered causes of loss.
General Liability
Injury and property damage claims from residents, guests and the public, including legal defense.
Umbrella & Excess Liability
Additional liability limits above your primary policies, often required by lenders and investors.
Portfolio & Master Policies
Multiple properties combined under one program, for simpler administration and more buying power.
Builder’s Risk
Coverage during construction or major renovation, for eligible developments.
Captive & Self-Insured Retention
Alternative structures for larger portfolios that want to keep part of their risk, where appropriate.
How it works
- 01PrepareA submission built from your property data
- 02MarketTaken to multiple carriers
- 03CompareQuotes lined up term by term
- 04Bind and renewPlaced, serviced and renewed early
Why InsuredAI
- Licensed in 49 states. One broker for properties across the country.
- Built on real data. Submissions prepared from your actual SOVs, loss runs and policies.
- Coverage-first comparisons. Every quote compared on what it covers, not just what it costs.
AI & automation
- AI-prepared submissions. Property data, values and loss history organized for underwriters.
- Quote Comparison agent. Every proposal lined up term by term.
- Loss Run agent. Clean claims history for every submission.
Best quote vs expiring−18.6%$61K lower, no coverage cuts7 quotes from 5 carriers
insured.ai/QuotesRiverside LoftsRenewal 2027
Quotes compared75 carriers
Expiring premium$328K256 units
Recommended$267K▼ −$61K
Per unit$1,043Was $1,281
Top three quotesProperty and liability
Quote ACarrier AQuote BCarrier BQuote CCarrier C
Annual premium$259,400$267,000$281,900
Per unit$1,013$1,043$1,101
AOP deductible$50,000$25,000$25,000
Wind / hail deductible5%2%2%
Flood sub-limit$1M$5M$2.5M
Liability limit$1M / $2M$1M / $2M$1M / $2M
Coverage cuts vs expiring2None1
Quote B saves $61K against expiring with no coverage reductions. Quote A is $7,600 cheaper but doubles the AOP deductible and raises wind / hail to 5%.
Illustrative dashboardTracks quotes compared, annual premium, premium per unit, coverage limits, deductibles and premium differences between alternatives.
Business value & performance
Reduce insurance costs without losing sight of the coverage your properties actually need.
- 44%lower premium, year over yearPrizma Capital · customer result
- $364K → $205Kannual premium after the movePrizma Capital · customer result
- Coverage kept in viewSavings weighed against coverage, line by line.
Results
What our customers say
Case study · Large multifamily property
44% lower premium, year over year.
44%lower than last year
18%below the competing quote
$159Klower annual premium
They quoted a large multifamily property and delivered outstanding results… Beyond the 44% year-over-year reduction and 18% savings against the market, their platform gave us full transparency into the insurance status of all our properties.
“Managing insurance across multiple properties used to be chaotic. Having everything on one screen was exactly what we needed. Insured AI brought the visibility and structure that finally made the process manageable.”
“After moving two multifamily properties to Insured AI for bidding, we achieved a premium reduction of nearly 30%, resulting in substantial savings. The value they provide goes far beyond pricing.”
FAQ
Questions from owners and developers
About InsuredAI
4 questions
How does InsuredAI help multifamily owners?
It brings every policy, premium, renewal and claim into one platform, finds coverage gaps, shows each property’s hazard exposure, reviews acquisitions and places property and liability insurance.
Can InsuredAI review insurance for a property we’re buying?
Yes. Acquisition Intelligence reads the deal documents and flags insurance issues before closing.
Do you place property and liability insurance?
Yes. As a licensed broker in 49 states, InsuredAI places commercial property, general liability and umbrella coverage.
What results have owners seen?
One multifamily owner’s premium fell 44% year over year, from $364K to $205K (Prizma Capital, published customer result).
Unified Insurance Platform
4 questions
What documents can I upload?
Policies, schedules of values, loss runs and certificates, as PDFs, spreadsheets or email attachments.
How does the platform read my policies?
AI extracts each policy’s terms, such as limits, deductibles, exclusions and endorsements, and links them to the right properties.
Can I see premium per unit across the portfolio?
Yes. Premium, coverage and renewals are reported for every property and across the portfolio.
Does it track renewals?
Yes. Upcoming renewals are tracked months ahead, with what’s needed for each one.
AI Insurance Advisor
4 questions
What can I ask the AI Insurance Advisor?
Questions about your own coverage, such as “Are we covered for flood at this property?”, what an exclusion means, or which properties have low liability limits.
Where do the answers come from?
From the policies, properties and claims in your account. Each answer cites the policy and page it came from.
Is the advisor available outside business hours?
Yes, 24/7.
Does the advisor replace my broker?
No. It answers questions from your documents. Coverage decisions are made with your licensed InsuredAI broker.
Risk & Coverage Analysis
4 questions
What does a coverage gap analysis look at?
Limits, sub-limits, deductibles, exclusions and endorsements in your current policies, compared with what your properties need.
Can you compare a renewal proposal with other quotes?
Yes. The current policy, the renewal proposal and alternative quotes are lined up side by side, term by term.
Why compare terms and not just price?
A lower premium can come with a higher deductible, a new exclusion or a smaller sub-limit that costs more when there’s a claim.
When should I review my coverage?
Before every renewal, refinance or major change to the portfolio. Starting early leaves time to negotiate.
Property Risk Scoring
3 questions
What affects a multifamily property’s insurance risk?
Location and natural hazards such as flood, wind, wildfire and earthquake, plus building age, construction and the property’s claims history.
Where does the hazard data come from?
From FEMA data, matched to each property’s geocoded address.
How does claims history affect premiums?
Frequent or large losses raise how underwriters price a property, so a clean, well-documented loss history matters at renewal.
Acquisition Intelligence
4 questions
What documents does the acquisition analysis read?
The offering memorandum, rent roll, schedule of values, loss runs, current insurance, quotes, loan agreement, appraisal, Phase I report and more.
Does InsuredAI estimate the premium for a deal?
No. It benchmarks expected insurance cost against comparable deals, as a rate per $100 of insured value, and can request competitive quotes when you’re ready.
What gets flagged before closing?
Coverage shortfalls against the loan, replacement cost gaps, flood exposure without flood coverage, large open claims and missing lender clauses such as a waiver of subrogation.
What happens when the deal closes?
The property and its data move into your portfolio in the platform.
Property & Liability Insurance
4 questions
What insurance does InsuredAI place for multifamily owners?
Commercial property, general liability, umbrella and excess liability, and portfolio programs that combine multiple properties.
How do you prepare a submission?
From your actual property data, values, policies and loss runs, organized the way underwriters need them.
How are quotes compared?
Term by term: premium, deductibles, limits, sub-limits and exclusions, not just price.
Is InsuredAI licensed in my state?
InsuredAI is a licensed insurance broker in every U.S. state except Hawaii.
Book a demo
Smarter insurance for your portfolio.
Discover how InsuredAI can help your organization reduce risk, improve insurance visibility, automate complex workflows, and make smarter insurance decisions.