HabPro Insurance is a one-stop-shop Commercial Real Estate (CRE) insurance provider specializing in package and mono-line property for apartments and condominiums. Built by NSM Insurance Group, the nation’s leading provider of specialty insurance programs, HabPro offers competitive and convenient ground-up coverage solutions for small and middle market habitational risks.

Trust our expert underwriting team to help you with hard-to-place habitational risks across the country!

Appetite Guide

• Class A & B Risks
• Non-Admitted Risks
• Built in 1985 or Newer
• Single Location Limits Up to $50M
• Condos
• Apartments
• Subsidized & LIHTC (Section 8 Developments up to 15%)
• Mixed-Use Buildings (up to 33% Mercantile)
• Student Housing (up to 100%; Not Owned or Operated by a College/University)
• 55+ Independent Living Communities
• Available in all states, excluding Alaska, Hawaii, Florida, Louisiana and the five boroughs of New York City

Program Coverages

• Robust Property Enhancement Endorsement, which includes various sub-limit coverages
• Business Income
• Equipment Breakdown
• Ordinance & Law A, B & C (up to 10%), D
• Hired & Non-Owned Auto

Click here to view our program guide with more information

Why Work with HabPro?

• A+ rated national carrier
• Exclusive policy forms
• Competitive coverages
• Creative solutions for traditional & non-traditional accounts
• Dedicated underwriting expertise
• Superior service