Insurance Built for Multifamily Syndicators & Commercial Operators
Nationwide commercial multifamily insurance designed to project NOI, satisfy lender requirements, and support acquisitions, renewal and portfolio growth.
Start A Conversation With Our Friendly Team
Our mission at Kingdom Commercial Insurance Agency, Inc. is to meet the specific needs of our clients with honesty, dedication, and meaningful relationships.
Meet Your Multifamily & Commercial Insurance Experts
Julio Gonzalez
VP of Multifamily (Bilingual - Spanish Speaking)
Julio Gonzalez is a Multifamily Insurance Specialist at Kingdom Commercial Insurance, helping property owners and investors protect their assets with clarity and confidence.
With a consultative approach, Julio supports clients through acquisitions, renewals, and closing timelines ensuring cost-competitive coverage without sacrificing protection.
A long-time DFW resident and U.S. Army veteran, Julio values service, integrity, and long-term relationships within both business and community.
Frances Gonzalez
Director, Commercial & Multifamily Insurance | (Bilingual - Spanish Speaking)
Frances Gonzalez is a Commercial Insurance Specialist at Kingdom Commercial Insurance, supporting business owners and property professionals across multifamily and commercial insurance needs.
She provides coverage across property, general liability, commercial auto, workers’ compensation, and specialty lines—always with education and transparency.
Based in the DFW area and fluent in Spanish, Frances is known for her strong communication, cultural understanding, and commitment to trust-based relationships.
Why Multifamily Owners Choose Us
Kingdom Commercial Insurance Agency delivers specialized expertise you can trust.
Multifamily Syndicators & Sponsors
Insurance strategies built to protect investor capital, stabilize returns, and meet lender requirements.
Commercial Apartment
Owners
Comprehensive protection for stabilized and value-add apartment assets across all markets.
Portfolio Operators & Asset Managers
Scalable coverage solutions that simplify risk management across multiple properties and locations.
Investment Groups
Structured programs designed to safeguard equity, reduce exposure, and support long-term growth.
Property Managers Supporting Institutional Owners
Coverage and guidance to help manage day-to-day operational risks and protect ownership interests.
Multifamily Insurance Doesn't Have to Be Complicated
Multifamily properties come with unique risks—tenant liability, property damage, lawsuits, rising premiums, and carrier restrictions. Our job is to simplify the process.
We take time to understand:
Property size and construction
Unit count and occupancy
Tenant profile & loss history
Long-term investment goals
Custom Insurance Programs
We design a custom multifamily insurance program that protects your assets while keeping premiums competitive—tailored specifically to your portfolio.
Understanding Your Coverage
What is Multifamily Insurance?
Investing in multifamily rental properties requires significant capital and time. Multifamily insurance helps protect your investment when it matters most.
Designed for Multiple Units
Multifamily insurance is specialized landlord insurance for buildings with two or more residential units.
Higher Coverage Limits
Coverage limits and protections are adjusted specifically for properties with multiple tenants.
Built for Property Investors
Ideal for Texas landlords who want insurance tailored to the risks of managing multifamily properties.
Multifamily Insurance Coverages We Offer
Commercial Multifamily Insurance Solutions:
Property Insurance
Protects asset value while addressing regional risks such as wind, hail, fire, and catastrophe exposure.
Loss of Rents / Business Income
Preserves cash flow and debt service continuity following a covered loss.
Flood (NFIP & Private Markets)
Nationwide flood solutions tailored to lender mandates and flood-zone exposure.
Builder’s Risk / Renovation Coverage
Designed for value-add and repositioning strategies.
General Liability
Structured to meet lender requirements and reduce exposure to tenant and third-party claims.
Umbrella & Excess Liability
Protects ownership entities, sponsors, and management from high-severity claims.
Management Liability (D&O / E&O)
Coverage for ownership groups, managers, and decision-makers.
Other Specialty Coverages
Not sure what you need? We'll walk you through it step by step.
Most brokers focus on quoting policies. We focus on structuring risk.
Our approach is designed for sponsors and operators who care about deal execution, lender compliance, and premium stability over time.
We support you with:
- Acquisition and refinance insurance under tight timelines
- Portfolio-level underwriting strategy
- Coverage alignment with lender and agency requirements
- Loss history positioning to protect future renewals
- Carrier negotiations across admitted and E&S markets
Insurance should support the investment thesis — not become a liability.
Manage Rising Premiums
Multifamily insurance rates are increasing across Texas—but that doesn't mean you should overpay or reduce protection.
Identify coverage gaps
Eliminate unnecessary costs
Improve insurability with carriers
Prepare for smoother renewals
Our goal is simple: protect your investment while keeping costs under control.
Nationwide Reach. Regional Market Intelligence.
We support multifamily portfolios across multiple states, delivering consistent coverage language while accounting for regional underwriting realities.
This allows syndicators to scale efficiently without reinventing insurance on every deal — while still addressing local risk factors market by market.
I look forward to speaking with you.
ABOUT US
Kingdom Commercial Insurance Agency
We are a Texas-based independent insurance agency specializing exclusively in multifamily and commercial property insurance. Our focus allows us to deliver deeper expertise and better results for apartment owners and investors.
Whether you own a single property or manage a growing portfolio, we take the time to understand your unique situation and design coverage that truly fits your needs—not a one-size-fits-all policy.
Based in Plano, Texas, we serve property owners throughout the state with personalized service, transparent communication, and a commitment to protecting what you've built.
Start With a Free Multifamily
Insurance Quote
Share a few property details, and our team will review your situation, answer your
questions, and provide a customized insurance solution.
Specializing in Multifamily Insurance for Texas property owners—from small apartment buildings to large multifamily portfolios.
Contact Us
9925 Gillespie Dr, Suite 1100
Plano, Texas 75025
Coverages
Apartment Building Insurance
Multifamily Property Insurance
General Liability
Umbrella & Excess Liability
Builders Risk
Other Specialty Coverages
This material is for informational purposes only and subject to policy terms, conditions, and exclusions. Coverage availability may vary by carrier and property characteristics.