Multi-Family Property Insurance in Georgia
We provide multi-family property insurance solutions to businesses in GA, NC, TN, SC, AL, FL

Multi-Family Property Insurance from the professionals at Kevin Panter Insurance
Owning a multi-family property in Georgia brings both rewarding opportunities and important responsibilities. At Kevin Panter Insurance, we help property owners and managers across the state find tailored insurance solutions that align with their needs. Whether you manage a duplex in Savannah or own a large apartment complex in Atlanta, we’re here to support your investment with dependable options.
What Is Multi-Family Property Insurance?
Multi-family property insurance refers to coverage designed to help protect residential buildings that house multiple families, such as duplexes, triplexes, fourplexes, apartment complexes, and condo buildings. Policies may include coverage for the building itself, liability exposures, and in some cases, optional protection for income loss due to covered claims.
This type of insurance typically addresses the needs of property owners who rent out units to tenants. It can help provide protection against common risks such as fire, water damage, certain weather events, and third-party injuries on the premises. While the specific terms of coverage can vary by insurer and policy, the goal is to help you manage risk and protect your property investment.
Get a Quote
“Wonderful Experience! A big thanks to Kevin Panter Insurance Company for making home insurance shopping easy and affordable. His research and expertise were top notch in finding us a great quote in a short time.
It’s wonderful feeling safe and covered in our new home. :)”
“I have dealt with Kevin Panter Insurance for years, and they have always excelled in providing exceptional customer service. Daniel Walker recently went over and above simplifying the renewal of my homeowner’s policy. He is truly a valued asset to Kevin Panter and his team. Thank you Daniel!”
“Finding a new insurance agent has always been a challenge. Finding someone who is both competent and delightful to work with is often the hardest part. That wasn’t the case with Austin Panter, his warm friendly manor was matched by his competence. What a relief to have him as our agent. I highly recommend Austin to you as I know from my own experience he is one of the great agency professionals.”
“We have had the pleasure of doing business with Kevin Panter insurance for 7 years. They are a genuinely customer focused business with expertise in the insurance business. Over the years we have shifted all policies within their care due to the service we have received. Highly recommend!”
“Marcia Cochran at Kevin Panter Insurance has always been the most professional and responsive person to all our property and casualty needs. She has an detailed knowledge of all their carriers and has saved me a great deal of money on premiums over the years. It is a pleasure to work with her always!”

Who Needs Multi-Family Property Insurance in Georgia?
If you own or manage a residential property with two or more rental units in Georgia, multi-family property insurance may be appropriate for your needs. This applies to individual investors, real estate partnerships, property management companies, and LLCs that hold rental properties.
Even if you’re just starting out with one duplex or triplex, having the right insurance in place can help you meet lender requirements, maintain legal compliance, and gain peace of mind. Georgia’s weather patterns, including occasional severe storms, make adequate property coverage an important consideration for property owners throughout the state.
What Types of Properties Can Be Covered?
Multi-family property insurance can be designed to accommodate a wide range of residential buildings. This may include:
- Duplexes, triplexes, and fourplexes
- Townhome-style rental units
- Apartment buildings with multiple units
- Mixed-use buildings with residential and light commercial tenants
- Condo buildings owned and rented by a single entity
Whether your building is located in a major metro area like Atlanta or in a smaller Georgia community, coverage options may be available to suit its unique structure and use.

What Coverages Might Be Included?
Multi-family property insurance can often be customized based on your building type, location, and tenant arrangement. Common coverage components may include:
- Building Coverage – Helps protect the physical structure from certain covered losses, such as fire or wind damage.
- Liability Protection – May help cover legal or medical expenses if a tenant or guest is injured on the property.
- Loss of Rental Income – Optional coverage that may reimburse you for lost rental income following a covered event.
- Equipment Breakdown – May be added to cover damage to HVAC systems, boilers, or other essential building equipment.
- Ordinance or Law Coverage – Helps with additional costs if you’re required to bring a damaged building up to current code.
Actual policy details and limits can vary. Speaking with an experienced local agent is the best way to understand what options may apply to your specific property in Georgia.
Why Work With a Georgia-Based Insurance Agency?
When insuring a property in Georgia, it’s beneficial to work with a local agency that understands the state’s unique market, climate, and legal landscape. At Kevin Panter Insurance, we’re proud to be Georgia-based and focused on helping property owners throughout the state.
Our team is familiar with the needs of property investors in communities such as Marietta, Macon, Athens, Savannah, and everywhere in between. We stay informed on regional insurance trends and carrier requirements so we can help you navigate your options with confidence.
How Can Kevin Panter Insurance Help?
Kevin Panter Insurance works with a wide network of insurance carriers to help our clients find coverage options that fit their properties. We take the time to understand your portfolio, whether you manage a few small units or a large complex.
When you contact our office, you can expect a straightforward process:
- Consultation – We’ll ask questions to understand your property, tenant arrangements, and goals.
- Review of Options – Our team will research available policies and present coverage options from reputable carriers.
- Ongoing Support – Once you’re insured, we’re here to assist with policy reviews, updates, and any future questions.
We believe in clear communication and responsive service. Our goal is to help Georgia property owners feel informed and supported throughout the insurance process.
What Sets Kevin Panter Insurance Apart?
Choosing an insurance partner is about more than just finding a policy. At Kevin Panter Insurance, we offer a local perspective backed by industry experience. We strive to make the insurance process easy to understand and customized to your needs.
Some key benefits of working with us include:
- Local knowledge of Georgia’s real estate and regulatory environment
- Access to multiple carriers to compare competitive options
- Dedicated service from a responsive and professional team
- Flexible policy options to meet the needs of growing portfolios
We don’t just quote and go. We build relationships that help support your success as a property owner.
How Do You Get Started?
Getting started with multi-family property insurance in Georgia is simple. Contact Kevin Panter Insurance for a consultation. We’re happy to walk you through your options, answer questions, and help you find a solution that fits your property.
Whether you own a few small rental units or manage a larger complex, we’re here to help you explore coverage options that can protect your investment and support your long-term goals. We’re proud to serve property owners throughout Georgia with professionalism, insight, and care.
Get in touch with our team!

For questions or concerns, please contact our independent insurance agents by filling out the form!
Blue Ridge Office
95 Progress Circle
Blue Ridge, GA 30513
(706) 632-3400
Ellijay Office
145 Mulberry Street
Ellijay, GA 30540
(706) 635-6000