Dwelling Insurance in NJ, NY, CT, PA and Other States

According to the legal definition, a dwelling is a self-contained accommodation used by multiple households. Shared buildings like this are an excellent solution to limited space in urban areas, but they can be difficult to insure. That’s where Muller Insurance comes in, offering dwelling insurance specially designed to protect properties like this. In New Jersey, New York, Connecticut, Pennsylvania, Nevada, and other states, we work with multi-family dwelling building owners to help them find policies to fit their unique needs.

What Does Dwelling Insurance Cover?

Muller Insurance offers two types of dwelling insurance policies based on who the building’s occupants are, including:

Both policy types start with the building itself. In case of disaster, the policy will cover the cost of repairing or replacing elements of the building that have been damaged. Protection extends to the building’s structure, essential systems like plumbing or heat, and common areas. It also covers items that belong to the building’s owner, like maintenance supplies or appliances. For landlords, the right insurance can even supplement income lost while the building is uninhabitable after a disaster.

In addition to property protection, dwelling insurance policies also include premises liability and medical protection. This covers physical property damage or injury that occurs to guests who are visiting your building. As the building’s owner, you may be held responsible – so it’s best to have insurance to cover the cost.

What Other Coverage Options Are Available?

We understand every property is unique, and not every client will be fully protected with a standard policy. In response, we offer ways to extend protection for your multi-family residential building, including the following:

H3: Flood Insurance

If your dwelling is located near a body of water, it may be at risk from floods. Standard dwelling insurance does not cover flood damage, which is why you should consider investing in specialized flood protection.

H3: Earthquake Insurance

Because damaging earthquakes are only likely in certain areas, a standard policy doesn’t protect against them. You should invest in special earthquake coverage if your dwelling is in a region that frequently experiences earthquakes.

H3: Umbrella Insurance

Owning a rental property comes with the risk of a lawsuit for mismanagement – even for careful owners. Umbrella insurance is a valuable tool that can help pay for legal fees and court-assigned judgments.

H3: Workers’ Compensation

If you employ a building superintendent or other type of maintenance worker, workers’ compensation is most likely required by your state. It can also keep your employees healthy and help them return to work sooner when they get hurt or sick on the job.

Coverage Description
H3: Flood Insurance If your dwelling is located near a body of water, it may be at risk from floods. Standard dwelling insurance does not cover flood damage, which is why you should consider investing in specialized flood protection.
H3: Earthquake Insurance Because damaging earthquakes are only likely in certain areas, a standard policy doesn’t protect against them. You should invest in special earthquake coverage if your dwelling is in a region that frequently experiences earthquakes.
H3: Umbrella Insurance Owning a rental property comes with the risk of a lawsuit for mismanagement – even for careful owners. Umbrella insurance is a valuable tool that can help pay for legal fees and court-assigned judgments.
H3: Workers’ Compensation If you employ a building superintendent or other type of maintenance worker, workers’ compensation is most likely required by your state. It can also keep your employees healthy and help them return to work sooner when they get hurt or sick on the job.

Securing the Best Policy for Your Building

Muller Insurance works with many insurance providers, including trusted companies like Chubb Insurance, Plymouth Rock Insurance, Travelers Insurance, The Andover Companies, Franklin Mutual, Safeco, Farmers of Salem, Narragansett Bay, Cumberland Mutual and many others. Our independent status allows us to select from a range of options and plans, meaning when we consult with our clients, we’re able to find them the policy that meets their custom needs and budget. To learn more about dwelling coverage or to request a quote, contact us today for coverage in New Jersey, New York, Connecticut, Pennsylvania, Nevada, and the other states we serve.

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Dwelling Insurance Companies We Represent

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Our Recent Reviews

4.8
112 User Reviews
  • Rosalie West Avatar
    Rosalie West
    1/01/2025
    This is the first time I get insurance with Muller Insurance. I had one of the best experiences with this company. Getting insurance for my company was a big chaos until Mr. Roger came along and helped me get the right information and the best quotes. He is the best and most understanding person.
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    Kimberly Francella Avatar
    Kimberly Francella
    12/21/2024
    Look no further than Muller Insurance for all of your insurance needs! Helen Mbiad is a top notch agent who takes the time to understand what you really need and helps you achieve it! I've been working with her for many years and would look nowhere else. True professionals in every sense of the word! thank you for making what can be a complicated process very easy and understandable! happy holidays!
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    Michael Minerva Avatar
    Michael Minerva
    12/12/2024
    Terri met all my expectations, i spoke with 3 different insurance brokers and none can get what i needed done she saved me $800 compared to my renewal offer. highly recommend.
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  • Ricky Stefany Avatar
    Ricky Stefany
    12/11/2024
    The team at Muller Insurance has been great in providing solutions for every insurance need I've had. Specifically, I've had the pleasure of working with Helen Mbiad. Helen is extremely knowledgable, attentive, and reliable and is always my first call. Would recommend Helen and the Muller Insurance team to anyone.
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    Rummil Gaming Avatar
    Rummil Gaming
    10/17/2024
    Called to get a quote, never called back after a couple attempts
    Rachida Larocca Avatar
    Rachida Larocca
    9/18/2024
    It was great opportunity to talk to Helen. She was very helpful to find me the right insurance for my property. Her work and patience were appreciated. Great job 👏
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  • Charles Lisa Avatar
    Charles Lisa
    8/01/2024
    Roger provided outstanding service for my insurance needs. He handled everything quickly and efficiently, ensuring that I received the necessary documents promptly via email. His professionalism and speed exceeded my expectations, making my experience with the insurance process smooth and stress-free. I highly recommend his services to anyone seeking reliable insurance assistance.
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    Dylan Avatar
    Dylan
    7/10/2024
    Excellent time speaking with Rosa on Auto Insurance options.
    Spring Petford Avatar
    Spring Petford
    6/24/2024
    I had intended to do my own policy shopping, and quickly gave up and decided to give Muller's a call. Rosa was amazing in helping me so purchase my first homeowner's policy so quickly and easily.
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  • Amelia Wilson Avatar
    Amelia Wilson
    6/15/2024
    Great agency to work with. The best part is prompt customer service. Roger is very helpful and knowledgeable. They will go over all the details with you and help you arrive at a decision.
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    Bryan Avatar
    Bryan
    6/04/2024
    Probably the best insurance experience I’ve had in my life. Rose was absolutely amazing and helping me understand my options.
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    Dylan H. Avatar
    Dylan H.
    5/24/2024
    Roger has been a customer of ours for a long time and it's been a pleasure. This review is not about Muller Insurance, but a vote of confidence to who Roger is as an individual.
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  • Melissa Hammond Avatar
    Melissa Hammond
    5/15/2024
    Roger was very amazing and really gave it his all to give me the best insurance deals possible. He was extremely knowledgeable, quick, and efficient. And was a really big help in the entire process. I am extremely grateful and happy that I got to work with him.
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    Joreen palughi Avatar
    Joreen palughi
    4/27/2024
    Rosemarie is awesome she always helps me and gets everything done asap!! She goes above and beyond❤️
    Brandon Sarno Avatar
    Brandon Sarno
    4/24/2024
    My wife and I worked with Helen at Muller Insurance on procuring homeowners insurance and it was an excellent client experience. Helen was extremely knowledgeable, highly responsive, patient with any questions and an overall fantastic partner for our process. Muller has an impressive firm history and team. I'd highly recommend working with Muller Insurance and specifically Helen. I plan to work with them again for other lines of coverage.
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  • Marcia Stanley Avatar
    Marcia Stanley
    4/07/2024
    Roger J. Muller helped us get the insurance and bonding needed to set up our business! He was very helpful and answered any questions I had promptly! Thank you, Roger!
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    R T Avatar
    R T
    3/23/2024
    I’ve never ran into an insurance agency that seems less interested in selling insurance. Twice I’ve requested insurance quotes from Muller, once for auto and once for home and it’s like pulling teeth. I filled out the online form. No response for days. I call in to follow upon quotes and it’s like I’m bother them. Same experience with home quotes. No follow up from anyone at Muller. I call and bother them to run quotes for me. I wait a week, NO FOLLOW UP. I call back, and again it’s like I’m asking them a favor to try to get any quotes for me. Still no response. Not one quote given. I thought maybe the auto person just sucked, but it’s the whole office. Literally the worst company I’ve ever dealt with for insurance quotes.
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    Jan Sojka Avatar
    Jan Sojka
    3/14/2024
    Best insurance assistance I've ever had. Mr. Roger is responsive, helpful, professional and kind. He gets involved as well when needed. AMAZING customer service!!
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