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Habitational Insurance

Habitational Insurance provides comprehensive property and liability coverage for owners and managers of apartment buildings, condominiums, HOAs, and multi-fam…

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Habitational Insurance Insurance

Habitational Insurance provides comprehensive property and liability coverage for owners and managers of apartment buildings, condominiums, HOAs, and multi-family residential properties. Casurance places habitational programs through specialty admitted and non-admitted markets, including exclusive p…

Key Coverages for Habitational Insurance Businesses

  • Building property — replacement cost or ACV
  • Loss of rents / business income during covered losses
  • Premises GL — tenant and visitor bodily injury and property damage
  • Equipment breakdown for elevators, boilers, and HVAC systems
  • Ordinance or law coverage for code-upgrade costs after covered losses
  • Umbrella/excess liability above primary GL

Frequently Asked Questions

What is the difference between a residential landlord policy and a habitational insurance program?

A residential landlord policy (dwelling fire or DP-3) is designed for 1–4 unit rental properties and is placed in the personal lines market. A habitational insurance program is a commercial property program designed for 5+ unit apartment buildings an…

Can I get habitational insurance for a pre-2000 frame building?

Yes, through specialty habitational programs. Many standard admitted carriers restrict or exclude older wood-frame construction, especially in California due to earthquake and wildfire exposure. Specialty admitted and E&S habitational markets can acc…

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