How Owners Are Taking Back Insurance Revenue

In the multifamily housing industry, one of the biggest untapped profit opportunities has been hiding in plain sight: renters insurance and deposit alternatives.

I had a conversation last week with industry veteran Ken Doble that perfectly captured this shift. He told me something that stuck with me:

“You shouldn’t be targeting property management companies. They do what owners tell them.

At the end of the day, I haven’t received a single dime of the insurance revenue my residents have been paying for, and I sure would like to start.”

That statement reflects a truth the industry is waking up to: owners and investors are the real stakeholders in these revenue streams, yet for years, third-party providers have reaped the rewards.

Why Property Managers Aren’t the Real Gatekeepers

Property management companies play a vital operational role. They keep the day-to-day running smoothly, prioritize efficiency, and often avoid disrupting existing systems.

However, that “path of least resistance” mindset can slow down innovation, especially when it comes to implementing new revenue programs. Managers typically follow ownership direction, meaning the real power to adopt profit-generating solutions lies with owners and investors.

Owners are focused on Net Operating Income (NOI), long-term asset growth, and maximizing the value of every dollar generated by their communities. When they learn that residents’ required insurance and deposit programs are generating consistent monthly income (for someone else) it changes the conversation entirely.

The Hidden Revenue in Renters Insurance and Deposit Alternatives

Every residential rental property requires residents to carry renters insurance or pay a security deposit alternative. But most of those dollars are funneled through third-party insurance carriers or deposit alternative providers that keep the profit for themselves.

Forward-thinking operators are realizing that by owning the platform and infrastructure behind these services, they can:

• Capture the full profit margin on existing resident payments.

• Improve compliance visibility through COI audits.

• Offer residents more flexible, transparent options.

• Strengthen NOI and overall asset performance.

This is where Insur3Tech comes in.

How Insur3Tech Empowers Real Estate Owners and Investors

Insur3Tech gives multifamily owners, operators, and investors the ability to earn the full profit potential from programs like renters insurance, security deposit alternatives, and other resident lease obligations.

Instead of outsourcing revenue streams, Insur3Tech helps ownership groups own the entire process, from compliance to claims, so they benefit directly from what their residents are already paying for.

It’s not just about ancillary income anymore. It’s about ownership of every revenue stream tied to your portfolio.

The Future of Multifamily Profitability Is Ownership

The industry is shifting fast. The portfolios that move first will see the largest gains, both in NOI and in competitive positioning.

Ownership groups adopting these programs today are building stronger financial ecosystems around their properties and ensuring that revenue stays where it belongs, with them.

The race has officially begun.

Will your portfolio be one of the first to take back what’s already yours?