Multifamily Housing

PEAK designs multifamily insurance programs aligned with Fannie Mae and Freddie Mac requirements while optimizing valuations, schedules, and CAT exposure. Our underwriting-first approach reduces exceptions, improves renewal outcomes, and delivers clarity across large apartment portfolios.

Common Challenges in Multifamily

How PEAK Solves These Challenges

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Multifamily owners and operators face recurring pain points:

Fannie/Freddie requirements that change often and vary by loan type
Habitability and tenant liability exposures driving GL losses
Outdated or inaccurate replacement cost values
CAT exposure (wind, flood, hail, quake) limiting carrier appetite
Properties with high loss ratios dragging down the entire portfolio
Difficulties aligning large schedules across markets
Regulatory pressure around safety, habitability, and compliance

How PEAK Solves These Challenges

PEAK improves insurability and compliance by:

Structuring programs that meet FNMA and FHLMC requirements
Modeling accurate replacement cost values for every building
Reducing liability losses through habitability and tenant liability strategies
Creating Multifamily Risk Scorecards that quantify portfolio strengths and weaknesses
Consolidating property data and exposure information
Presenting clear, consistent underwriting submissions

Request Your Multifamily Risk Scorecard

Get a comprehensive review of CAT exposure, habitability risk, valuations, and compliance alignment.

Core Capabilities

Case Studies

Core Capabilities

Fannie Mae & Freddie Mac alignment
Accurate valuations and property schedule optimization
Flood, fire, and CAT modeling
Tenant/lease liability strategies
Habitability compliance mapping
Portfolio exposure reviews
Underwriting-ready documentation

Case Studies

Southeast Multifamily Group

Eliminated Fannie Mae compliance exceptions and reduced renewal timeline by 21 days.

Mid-Atlantic Developer

Improved schedule accuracy across 38 properties, leading to more favorable CAT terms.