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Garden Style Apartments are unique within the apartment segment. Typically showcasing multiple low-rise buildings surrounded by greenspace, they're a trend that gained popularity in the 1960's and remained a popular choice throughout many decades. At CIBA, we understand the specific insurance needs that are involved in these communities, especially as many are now aging buildings. Our insurance program provide specialized coverage to protect your investment and mitigate potential risks. With our deep industry expertise and commitment to exceptional service, we're your trusted partner in safeguarding your Garden Style Apartment community.

Garden Style Apartment Highlights

What is a Garden Style Apartment 

  • Multi-Building Complex: 2+ Buildings

  • Low Rise: Less than 3 stories tall

  • Typically Surrounded by Greenspace

$100M Location Capacity

up to $6M Per Building

Older Buildings Accepted

All Ages Welcome with Updates

Coverage Highlights

Property

No Co-Insurance

180 days Extended Period of Indemnity

Building Ordinance or Law included

$100,000 Tenant Relocation Expense included

Included in Real Property:

  • Outdoor Fences, Signs

  • Roadways, Walks, Patios, Paved Surfaces

  • Retaining Walls that are not part of the building

  • Foundations of Buildings & Structures below Basement

  • Underground Pipes, Flues or Drains

General Liability

Hired & Non Owned Auto

Learn More:

Property  |  Liability   |    Program State Availability

Submission Requirements

  • Application + CIBA Supplemental 

  • SOV in Excel (large schedules)

  • Minimum 3 Year Loss Runs

Download Application

CIBA Habitational Supplemental Application

Check out what's New!

Risk Mastery Articles for Property Owners:

Explore our Risk Management guides tailored for Property Owners and Managers, providing essential information to help prevent common losses.  

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The CIBA Difference

Expert Program. Exclusive Access.

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Superior Claims Service.

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Proactive Risk Mitigation Resources.

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Did you know... CIBA's in-house Claims Team (CAG) is in voice to voice contact with property representatives within 8 business hours upon receipt of a claim.

View our full list of 
Accepted Occupancies

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