Beagle, a Corgi company, is expanding beyond resident programs to the owners and managers of rental homes, commercial buildings, and shared community property.
Until now, that meant the resident side of the lease: renters insurance compliance, tenant liability waivers, contents protection, security deposit alternatives, and pet liability. The expansion adds property and liability options for buildings and communities. Each quote identifies the policies and benefits available.
Four new products are available today:
- Landlord insurance, covering the property and liability for one- to four-unit homes, whether rented on a long-term or short-term basis.
- Rental portfolio insurance, covering habitational property and general liability for a whole portfolio on one schedule of locations.
- Commercial property and liability coverage for retail, office, and mixed-use buildings, coordinated with the rest of a real estate portfolio.
- Community association coverage, covering condo, HOA, and co-op communities, and the commercial risks a community carries.
Why now
Owners and boards are finding that the coverage they need is either harder to place or written on terms that no longer match what a lender or a budget expects.
In its April 2026 real estate outlook, Marsh McLennan Agency describes a constrained multifamily liability market and recommends reviewing valuations, deductibles and business interruption exposure. That makes the terms of a renewal as important as the headline premium.
CAI’s June 2025 report on the Foundation’s insurance snap survey reported premium increases for 91% of respondents, loss of access to at least one carrier for 20%, and a shift to surplus lines for 23%. These are historical survey findings, not a 2026 result for every association. Boards need to evaluate their own coverage, deductibles and budget together.
“A property loss can leave an owner with both a repair bill and rental income that may be interrupted. An uncovered roof claim can put an entire association’s budget at risk. We are expanding Beagle to address more of the insurance needs that owners, managers, and community boards face every day.”
From rental homes to rental portfolios
For a landlord or short-term rental host, the stakes extend beyond repairing the building. A covered loss can also interrupt rental income, so the quote needs to address both.
Landlord insurance addresses one- to four-unit rentals, including disclosed long-term or short-term use. The quote reviews building protection, owner-provided furnishings, covered loss of rental income and third-party liability. Confirm occupancy, exclusions, deductibles and the effective date before binding.
Rental portfolio insurance coordinates property and liability across scheduled locations. Beagle describes imports from Buildium, AppFolio and Yardi for property submission records; that import capability is separate from ongoing resident insurance verification. New acquisitions need to be added and accepted on the schedule. Confirm the renewal and claim contacts for the policies selected.
Commercial buildings
Commercial building coverage extends the offering to retail, office and mixed-use properties. Tenant activities and occupancy help determine the property and liability terms. Review commercial and residential locations together, then confirm the final schedule, policies, carriers and renewal dates.
An owner’s building policy does not automatically protect a tenant’s stock, equipment or business operations. Lease insurance requirements still need their own review. Ask whether tenant insurance verification is included and who handles ongoing compliance checks.
Community association coverage
Shared roofs, structures, common areas, amenities, sports courts, retention ponds, and other common area features create responsibilities that extend across a whole community.
The association program coordinates coverage for association-owned common property, shared structures, and association-owned equipment, plus the parts of a unit the governing documents make the association’s to insure. General liability and directors and officers coverage are coordinated alongside it, with crime and fidelity, cyber, umbrella, and equipment breakdown available depending on the community and the market.
Where the association’s responsibility ends is a question the governing documents answer, and we read and account for them before a loss rather than after one. Owners still need their own coverage for belongings, personal liability, and property the documents assign to them.
Bring the board’s or lender’s document requirements to the association team. The selected quote confirms available schedules, certificates and claims contacts; companion coverages may use separate policies.
Resident programs and commercial coverage
Beagle administers programs and compliance software; Corgi is the insurance carrier for applicable Corgi programs. The insurer and claims contact for each selected coverage appear in its documents.
Resident verification, waivers, deposit alternatives and pet programs remain separate decisions from buying building insurance. An existing Beagle property manager can request a building quote without assuming that resident coverage replaces the owner’s property policy.
Availability
Product availability varies by state and risk. Coverage is subject to underwriting, policy terms, conditions, limits, and exclusions. Product details and quote or inquiry options are at joinbeagle.com, or book a meeting with the team.
About Beagle
Beagle is a program administrator for Corgi products, offering insurance programs and compliance software across residents, rental property, commercial buildings, and community associations.
This article is informational and is not legal or insurance advice.
See it on your buildings
Walk through the commercial programs with our team, or start bring your property details and current policies for a coverage review.