Apartments & Dwellings (Habitational Programs)

Our WORLDS APART commercial residential habitational program is for apartments with 11-25,000+ rental units per policy on a BOP. Our program for apartments provides unique coverage options and flexible solutions for all of your client's needs. (See our Community Association section if you are looking for a habitational program for condos.)

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Coverage for interior damage from wind driven rain - Stand out from the competition.

Attractive Apts

We provide habitational programs for professionally managed properties:

- Apartment Buildings (11 or more rental units)
- Single & Multi-Family Dwellings (11 or more rental units)
- Converted Housing
- Student Housing
- Independent Living Senior Housing
- Affordable/Tax Credit/Public Housing (We also can provide tax credit loss coverage! See below's link for details.)
- Mixed Apartment/Office & Apartment/Mercantile Lessors Risk Occupancies
- High rise
- Rebuilding Cost: no cap/dollar limit! Other loss settlement options too. See brochure for overview.

States: AR, AZ, CO, DE, IA, ID, IN, KY, MD, MI, MO, MT, NV, NY, OH, OR, PA, TN, UT, VA, WA, WI

Get a Quick Quote in Minutes!          (No producer agreement needed to access quoter) 


A.M. Best Company Carrier Rating Report

Tax Credit Loss Coverage for Affordable Housing! 

UNDERWRITING (Other guildelines apply, but these are the major knockouts):

Professional Property Management is key. 

- Any age building
- 70% occupancy rate

- Annual leases for all tenants
- Mercantile/office exposures may be eligible - refer to underwriter
- ELECTRICAL: 100 AMP service required, no fuses, no aluminum wiring, no knob & tube
- No space heaters or alternative means of heating
- No rooming houses
- Out of state owners need a management firm for maintenance
- No above ground swimming pools

Submitting Habitational Programs Applications