Dwelling Insurance

Dwelling Insurance in New Jersey

Own a multi-family residential building? Muller Insurance can help you get the coverage you need to protect against potential hazards and liabilities. Because they have more risks than a single-family home, these dwellings require a more extensive insurance policy. Contact Muller Insurance to speak with an agent or preview the property forms available below.

What are Multi-Family Dwellings?

Multi-family dwellings have elements of both regular homes and apartment complexes. They look like a typical home, but they often accommodate anywhere from two to four families. That means separate units with separate kitchens, bathrooms and living spaces.

However, they also have shared spaces. The tenants might have to use the same entrance or share the backyard. There might also be a foyer or lobby, hallways, elevators and staircases that multiple tenants have access to that all need to be insured.

Insurance Policies for Multi-Family Dwellings

In case someone gets injured on the premises, or there’s a fire or natural disaster, you need to be insured in order to protect yourself. Dwelling insurance is similar to homeowner’s insurance, in that they both cover many of the same hazards. These might include:

  • Fire and smoke
  • Hail
  • Burglary and theft
  • Falling objects
  • Wind
  • And more…

But getting approved for dwelling insurance can be a more lengthy and complicated process. That’s because there are more people in close proximity to each other, which means more opportunity for damages.

It also depends on how many tenants are living in the building and whether or not you, the owner, are living there, too. At Muller Insurance, we offer policies for 1- to 4-family, tenant-occupied buildings as well as 3- and 4-family, owner-occupied dwellings. Our policies cover rental income, medical payments and premises liability.

Does Your Dwelling have the Right Coverage?

It helps to have an experienced insurance agent who knows their available policies inside and out. After providing insurance to homeowners in the Hoboken area since 1906, we’re well-versed in how to serve any kind of residential building. Contact Muller Insurance to discuss multi-family dwelling insurance policies and make sure you’re prepared for anything. Call us at 201-659-0373 or fill out our online form to get in touch.


Contact Muller Insurance to find out how.