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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.
 
If you're not appointed with SGA, go HERE to get appointed.

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