Non-Coastal Habitational Property Program: Apartments & Condominiums


Eligible Classes of Business: 

  • Apartments
  • Condominiums

Ineligible Classes of Business: 

  • Fraternities/Sororities
  • Assisted Living
  • Museums
  • Bed & Breakfast

Specific Lines/Coverages:


Coverage Highlights:
Replacement cost, Agreed Amount, No Coinsurance, Blanket Limit per Location, Building Ordinance or Law Coverage A, B & C included, Extended Period of Indemnity for Loss of Rents, General Liability Limits of $1M/$2M, Non-Owned and Hired Auto Liability, Excess Liability limit of $10M, Boiler and Machinery and Terrorism Included, Real Property Including Fences, Carports, Signs, Storage & Pools Are Not Excluded!

Attractive Deductibles!
All Risk of Direct Physical Damage start at $10K Per Location Per Occurrence, Windstorm & Hail Deductibles start at $10K Per Location Per Occurrence Non-Coastal and go up to 3%-5% TIV ($100k min) in Convective Wind/Hail States Per Location Per Occurrence, Equipment Breakdown and Terrorism have a $10K Per Location Per Occurrence Deductible, and General Liability has a $2,500 Deductible.

Premium Requirements:
We prefer that locations not have less than $1M total insurable value; however, exceptions are made for small locations that are part of a larger multi-location schedule.

Coverages Offered

Commercial Property

Commercial Auto

General Liability

Binging Authority


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