Brownstone specializes in master policy insurance for multi-unit buildings located throughout Massachusetts.

Buildings with 2-100 units can be protected by the Brownstone Program. For example:

  • Condo Buildings - Our specialty is renovated condominiums that show pride of ownership.
  • Apartment Buildings - Brownstone Insurance insures frame construction apartment buildings that are located within our core territory -- Boston. Brick construction apartments can always be quoted in our program.

A master policy covers common areas, liability and other risks that personal insurance does not cover.

Brownstone Insurance provides master policy coverage for properties with multiple owners. This coverage includes common areas, liability, Director's and Officer's coverage and can include several other optional coverages. This policy covers the building as a whole, while individual unit owners or renters should have a homeowner's or renter's policy.

Who needs Master Insurance?

Condominium Associations

Condominium associations need a master policy to cover their common risks. An individual unit owner needs a homeowner's policy to cover their personal property, but the condo association needs this master policy to cover building liability, common areas and much more.

Apartment Building Owners

Owners of apartment complexes also need a master policy to cover the common areas of the property, liability, loss of rents, etc. Renters may purchase their own renter's policy to protect their personal property, but the building owner is in need of a master policy for the general coverage of the building.

Property Managers

Property managers regularly work directly with Brownstone to insure the properties they manage, including condos, apartment complexes and townhouses.

Still have questions or prefer to get a quote over the phone? You can take advantage our of Live Chat feature located in the left menu column or call us at (617) 236-6400. 

Are you in need of condo unit owner's insurance or renter's insurance? Visit our personal lines division, Murphy & Jordan Insurance.