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Habitational Coverage

April 6, 2026

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Habitational Coverage

Safeguards residential properties and their assets from losses due to fire, theft, wind, and other unforeseen events.

Habitational Risks	Coverages Available
Apartment buildings (small to medium). Dwellings (lessor’s risk only) Vacation rentals (Airbnb (Submit to Carrier), etc.). 55+ community	Building and contents (available with a package policy). Property extension endorsement. Business income. Equipment breakdown. Liability coverage for swimming pools and playgrounds. Student and subsidized tenants (submit to underwriter). Assault or battery coverage (available with an acceptable crime score). General liability.

Ineligible Risks

• Fraternity or sorority houses.
• Housing of mental health, drug, or alcohol rehabilitation patients.
• Risks with pull cords or medical staff on call.

Submission requirements:
5 years loss runs, acords, and supplement
All risk are subject to Underwriting guidelines.

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