Affordable Renters Insurance
Protect your belongings and liability with coverage that often costs less than expected. Our goal is to make sure you’re fully covered without stretching your monthly budget.
Auto & Renters Bundles
Save even more by combining renters and auto insurance into one simple, cost-effective plan. Bundling not only lowers costs but also streamlines your coverage into one easy-to-manage policy.
Personalized Coverage Options
Choose protection that fits your lifestyle, with guidance from our customer-first team. We take the time to understand your needs so you only pay for the coverage that truly matters.
About Us
Apterian is redefining the way apartment residents and communities experience insurance. We make it simple, affordable, and transparent—helping renters and property owners secure the right protection at the right price. By combining personalized service with innovative savings strategies, we ensure our clients get more coverage and peace of mind for less.
At Apterian, we believe insurance should do more than meet requirements—it should create real value. That’s why we built a service model centered on education, savings, and trust. Whether you’re a resident looking to protect your belongings, or a property owner seeking cost-effective solutions for your communities, Apterian delivers insurance programs that work for you. Our mission is simple: provide smarter coverage, reduce costs, and protect what matters most.
What Sets Us Apart
At Apterian, we focus on delivering value where it matters most—protecting people, lowering costs, and making insurance easy to understand. Here are four things we’re great at:
Maximizing Savings
We believe insurance should create value—not drain your wallet. At Apterian, we leverage our expertise and industry relationships to help residents and property owners save more while still receiving comprehensive protection. Many of our clients discover that they can increase coverage and lower costs at the same time, making insurance work smarter for them.
Simplifying Insurance
Insurance doesn’t have to be complicated. Our team specializes in breaking down complex policies into clear, easy-to-understand solutions tailored to the apartment industry. Whether you’re a resident securing renters insurance or a property owner managing risk for multiple communities, Apterian makes the process seamless and straightforward from start to finish.
Exceptional Service
We pride ourselves on delivering a customer-first experience that feels more like a partnership than a transaction. Our service model is built on responsiveness, education, and trust—meaning every client receives the attention, guidance, and support they deserve. With Apterian, you can count on real people providing real solutions, every step of the way.
Industry-Backed. Resident-Focused
Working with a Certified Apartment Supplier (CAS) means you’re partnering with a company that understands the unique needs of the multifamily industry. At Apterian, this certification reflects our commitment to professional standards, industry knowledge, and tailored solutions for apartment communities. It ensures our clients receive trusted expertise, compliance-focused guidance, and services designed specifically to protect and strengthen the apartment housing market.
Automobile Insurance
Your car is more than transportation—it’s part of your life, and it deserves reliable protection. Apterian Auto Insurance offers personalized coverage options that fit your needs and budget, whether it’s liability, comprehensive, or bundled with renters insurance. We simplify the process so you can drive confidently, knowing you’re covered for life’s unexpected events.
Our auto insurance solutions combine affordability with personalized coverage options. From liability to comprehensive plans, we help you protect your vehicle and your finances while simplifying the insurance process. Plus, our team is always available to answer questions, handle claims efficiently, and provide guidance to make sure you have the coverage that fits your lifestyle.
Renters Insurance
Protecting your home and personal belongings shouldn’t be complicated or expensive. Apterian Renter’s Insurance provides coverage designed specifically for apartment residents, giving you peace of mind against theft, damage, or unexpected accidents. We make it easy to get the right protection while keeping costs manageable.
Our policies provide comprehensive coverage for your personal property and liability, often at rates that fit any budget. We guide you through selecting the right protection, ensuring you’re covered for life’s unexpected events without paying for unnecessary extras. With Apterian, you also gain access to expert advice and ongoing support, so you always know your coverage meets your evolving needs.
The Apterian Advantage
At Apterian, we make insurance simple, affordable, and tailored to your needs. Our approach focuses on providing smarter coverage, better service, and real savings for apartment residents and property owners alike.
Smarter Coverage
We offer personalized policies designed to protect what matters most, ensuring you get more value for your money.
Real Savings
Our expertise and bundled solutions often reduce premiums, sometimes even lowering renters insurance costs to $0, without sacrificing protection.
Customer-First Service
From guidance to claims support, our dedicated team delivers responsive, professional service that puts your needs first.
Giving Back Through Music
Proudly Supporting the Dr. Shaylor James Living Legacy Program
At Apterian, we believe in making an impact beyond insurance. That’s why we proudly support the Dr. Shaylor James Living Legacy Program, a nonprofit initiative dedicated to empowering young percussion students. This program provides resources, mentorship, and opportunities for aspiring musicians to develop their talents and carry forward Dr. James’s legacy of excellence in music and education.
A portion of Apterian’s proceeds is donated to this cause, helping ensure that the next generation of percussionists has the tools and support they need to succeed. By choosing Apterian, you’re not only protecting what matters most—you’re also helping to invest in the future of music and education.
Join the Apterian Advantage
Becoming part of the Apterian Advantage means more than just buying insurance—it’s gaining a partner dedicated to protecting your lifestyle and your budget. From renters to auto coverage, we simplify the process, maximize your savings, and deliver service you can count on every step of the way.
Trusted by
Those Who Know Us
Our clients are at the heart of everything we do. From residents to property owners, those who know Apterian value our commitment to smarter coverage, real savings, and exceptional service. Hear directly from the people we’ve helped protect what matters most.
I couldn’t be happier with my experience working with Apterian and Frederic! I was paying $351 per month for auto insurance, but after switching to Apterian, I reduced my cost to just $246 per month—and gained more coverage, including Bodily Injury Liability. On top of that, I bundled my renters insurance for only $16 per month, which gave me liability coverage, personal property protection, additional living expenses, and medical expense coverage. What’s even better is that my apartment community requires renters insurance, but their plan only includes liability coverage and costs $15 per month. With Apterian, I got all these extra benefits for just $1 more—and I saved 30% overall by bundling! It feels like I got renters insurance for free. Thank you, Frederic and Apterian, for saving me money while giving me peace of mind with better coverage!
J. Thomas – Apartment Resident
My insurance rates were increasing significantly, and I was struggling to keep up. Thankfully, I found Apterian. After a thorough review of my auto policy, they tailored the coverage to my specific needs and managed to reduce my premiums by over 40%! The savings have been a huge relief, and the customer service I received was outstanding. I’m so impressed that I’ve been referring all my friends to Apterian. They really know how to take care of their customers!
T. Nance – Assistant Principal
I travel all over the North America by car, so I needed an insurance company that understood my unique needs. Apterian helped me save money on my auto insurance and addressed other risks I had while on the road. The best part is their amazing customer service—I know I never have to worry about my rates. Apterian is always working in the background to find the best rates for my situation, which gives me peace of mind wherever I go. I highly recommend them!
G. Black – Construction – Insulator
I was referred to Frederic at Apterian Insurance by the Leasing Agent from Element at Kirkwood Apartments, where I had experienced excellent customer service. Frederic provided outstanding insights and education on Renters Insurance, taking the time to explain all my options thoroughly. Not only did he offer me a quote that was just slightly higher than the basic coverage offered by my apartment, but he also helped me secure additional protection, including coverage for my personal property, medical payments, and additional living expenses. Frederic’s customer service was exceptional, and I truly believe he is a valuable partner to Element at Kirkwood. I highly recommend Frederic and will be referring him to my friends and family for their insurance needs.
S. Williams – Entrepreneur
Partnering with Apterian has been a game-changer for our community. Their team not only educated our residents about the importance of renters insurance but also offered valuable options that made insurance more affordable—some residents were able to reduce their cost to $0 when bundling with auto insurance. This helped us with resident retention, as they appreciated the savings and the personalized support they received. Most importantly, Apterian enhanced the overall customer service experience in our community. Their 24/7 support gave our residents peace of mind, making our property a more attractive place to live. We couldn’t be happier with
N. Thomas – Asst. Property Manager
I was incredibly frustrated when my original agent failed to return my calls after my claim was denied. That’s when I reached out to Frederic Brown of Apterian and made the decision to change my agent of record to him. Frederic was exceptional; he worked closely with me and guided me through the entire process. Thanks to his dedication and expertise, we were able to get my roof replaced despite the challenge of not finding matching shingles for repair. I am grateful for Frederic’s support and highly recommend his services.
J. Burgess – Business Executive
See How Much You Can Save!
Don’t wait to protect your belongings or overpay for coverage. The sooner you get a quote, the sooner you can start saving on renters, auto, and bundled insurance—often lowering costs without sacrificing protection. Start today and see how much smarter insurance can work for you.
Excellence You
Can Count On
At Apterian, we don’t just provide insurance—we deliver peace of mind. From tailored coverage options to responsive, customer-first service, our team ensures every policy meets your needs and protects what matters most. With Apterian, you can trust that excellence isn’t just a promise—it’s our standard.
Let’s Get Started on Your Coverage Today!
Getting the right protection has never been easier. Apterian guides you step by step to find coverage that fits your needs and budget—whether it’s renters, auto, or bundled policies. Take the first step now and secure peace of mind for you and your belongings.