Beagle, a Corgi company, already administers Corgi-underwritten insurance programs for more than 2,000 property managers and 500,000+ doors. Today those programs open to a broader market: 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 moves to the property itself, and to every coverage a board or an owner is responsible for buying.
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, with Beagle’s insurance compliance product extended to commercial lease compliance.
- A community association master policy, 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.
Multifamily Dive reported in April that liability availability for apartment owners is limited, and that multifamily portfolios in higher-crime or plaintiff-friendly areas now get general liability and umbrella coverage mostly from specialty markets. Pricing in these markets is higher and coverage more restrictive. The Marsh McLennan report it cites, Real Estate Risk and Resilience for 2026, describes coverage for multifamily assets that has moved almost entirely to the surplus market, with tighter terms and lower limits.
For community associations, the same pressure lands on the operating budget. The Foundation for Community Association Research found that 91% of associations saw insurance premiums rise, 17% saw increases above 100%, 20% lost access to at least one carrier, and 23% moved to surplus lines because traditional options were not available. Boards fund these increases through assessments and operating funds, making insurance an increasing burden on association operating budgets rather than a line item that holds steady from one year to the next.
“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, and that is often the larger of the two numbers.
Landlord insurance covers one- to four-unit homes, written for how the place is actually let. A house on an annual lease and a house let nightly run on the same policy, with price and coverage tailored to its real use. The estimate takes about a minute, it is a real number from the carrier rather than a range, and standard submissions bind the same day.
Rental portfolio insurance provides coverage for your whole book: habitational property and general liability on one schedule of locations, one program, one renewal date. Beagle imports from Buildium, AppFolio, and Yardi, so the submission starts from records the portfolio already keeps. Claims go to a Corgi-owned adjuster, which means one point of contact rather than an outsourced queue. A newly acquired building joins the schedule instead of becoming a separate policy on its own renewal date.
Commercial buildings, and compliance for commercial leases
Commercial buildings sit on the same program as the residential side of a portfolio. Retail, office, and mixed use go on one schedule with the apartments, which means one carrier, one renewal, and no gap where the commercial half of a portfolio used to be quoted by somebody else. General liability is written across every location on that schedule rather than building by building, and carries a 10% discount when bundled with habitational property.
Beagle is also extending its insurance compliance product into commercial real estate. A commercial property manager can run a compliance check across the tenant roster to confirm every tenant carries the coverage the lease requires. Where a tenant falls short, Beagle quotes the required coverage on carrier paper and brings them into compliance, which closes a gap most teams currently work through by hand.
This is the same verification and enrollment engine that runs on the residential side today, at a 93% resident enrollment rate, pointed at commercial leases for the first time.
The community association master policy
Shared roofs, structures, common areas, amenities, sports courts, retention ponds, and other common area features create responsibilities that extend across a whole community.
The community association master policy sits above the individual policies of the unit owners in a community. The policy covers 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.
Boards get schedules and certificates formatted for board packets and lender requests.
What has not changed
The carrier behind this coverage is the same company that built the compliance software thousands of property managers already use. Beagle is built by Corgi, a licensed insurance carrier that owns its own claims administrator, so the platform, the paper, and the claim sit inside one group rather than across three vendors.
Nothing about the resident-side programs changes. Compliance monitoring, enrollment, waivers, deposit alternatives, and pet liability run exactly as they have, and a management company already on Beagle does not need to change anything about their current program to get a quote for one of their buildings, or on behalf of the owners they work with.
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 the Program Administrator for Corgi products in all 50 states, running 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.