Habitational insurance
Habitational insurance for apartment and multifamily buildings
Insurance for multifamily, rental, mixed-use, and association properties.
Insurers evaluate habitational properties based on construction, occupancy, protection, maintenance, values, and prior losses.
Who this covers
- Walk-up and mid-rise apartment buildings
- Multifamily rental properties
- Mixed-use buildings
- Condo and co-op associations
- Property-owner portfolios
What underwriters look at
- Construction and building age
- Roof, electric, plumbing, heating, and life-safety updates
- Residential and commercial occupancy
- Sprinklers, alarms, hydrants, and fire protection
- Building, rental value (rental income exposure after a covered loss), and liability limits
- Loss runs (claims history from current or prior insurers) and open recommendations (unresolved inspection or carrier requirements)
Common questions
What makes a habitational risk difficult to place?
Older systems, construction type, loss history, vacancy, life-safety conditions, commercial cooking, coastal exposure, valuation, and what insurers are willing to accept can all affect the available terms.
Should the mailing address be used as the building address?
Not unless they are actually the same. The named insured (the person or entity listed on the policy) and every insured building must have the correct address.
How is the market selected?
The building details and requested coverage determine which insurers may consider it. We compare the terms each underwriter returns.
Start a conversation
Tell us about the building.
Share the details and current coverage you already have. We’ll tell you what else is needed.