Built for Small Apartment & Condo Properties in High-Exposure Areas
When standard carriers reduce limits or exit catastrophe-exposed markets, we help property owners secure coverage quickly — even for older buildings, concentrated locations, or prior loss history.
The Dragonfly difference
Experienced with hard to insure risks
Relationships across Excess & Surplus markets
Fast turnaround
Deep experitse in this market
Who We Help
Dragonfly Insurance works with small apartment and condominium property owners that traditional insurance markets increasingly struggle to support — not because the properties are poorly managed, but because exposure to weather, location, or building characteristics no longer fit standard underwriting models.
You might be here because:
Your property was non-renewed or had terms materially changed
Multiple carriers declined to quote due to location or CAT exposure
Premiums or deductibles increased significantly at renewal
Your building age, construction type, or updates limit carrier options
Prior weather or water losses affected your insurability
You were told coverage would need to be specialty or surplus lines
If that sounds familiar, you’re in the right place.
Properties We Commonly Work With
We regularly place coverage for:
Small apartment buildings and multifamily properties
Condominium associations (HOAs and COAs)
Older properties with partial renovations
Properties located in hail, wind, wildfire, or flood-prone areas
Mixed-use or non-standard building layouts
Owners with multiple properties in the same region
If your property isn’t listed, that’s okay — complexity is our focus.
The Dragonfly team is here to help you
Experienced With CAT-Exposed Property Risks
Deep experience placing property risks in catastrophe-exposed regions
Established relationships across specialty and surplus lines markets
Familiarity with wind, hail, flood, and wildfire underwriting
Clear guidance on deductibles, sublimits, and coverage structure
Fast turnaround when renewal timelines are tight
Why Property Owners Choose Dragonfly
Most brokers focus on newer buildings in low-exposure areas — and avoid the rest.
We do the opposite.
What you can expect:
An honest, upfront assessment of available options
Access to specialty property and surplus lines carriers
Clear explanation of tradeoffs (premium, deductibles, limits)
Fast movement when coverage is at risk
A path to improve insurability over time, when possible
We’re not here to promise the lowest premium.
We’re here to help you secure coverage — and protect your asset.
How It Works
1. Quick Intake
Tell us about your property, location, loss history, and timing.
2. Market Assessment
We determine whether standard, specialty, or surplus lines markets are appropriate — and explain why.
3. Placement Strategy
We approach the right carriers, structure the submission properly, and move quickly.
4. Ongoing Support
Where possible, we help you improve underwriting profile over time to expand options.
A Note on CAT-Exposed Property Coverage
For properties located in catastrophe-exposed areas, coverage is often placed through specialty or surplus lines carriers. This can mean higher premiums, larger deductibles, or modified coverage terms.
What it also means is certainty, compliance, and continuity of coverage.
We’ll be transparent with you at every step.