Apartment buildings, condos, and multi-family properties come with round-the-clock exposure to tenants and guests. Habitational insurance protects owners and managers of residential properties from the liability and property risks that come with housing people.
What habitational insurance covers
- Property. The building, common areas, and permanent fixtures.
- General liability. Injuries to tenants, guests, and visitors on the premises.
- Loss of rental income. Lost rent while units are unusable after a covered loss.
- Legal defense. The cost of defending covered claims.
- Amenity coverage. Options for pools, playgrounds, and shared spaces.
Why residential properties need specialized coverage
Housing tenants is a 24/7 liability, and the claims are different from those at a standard commercial building. Coverage built for habitational risk fits the exposures of multi-family housing instead of forcing a generic policy to stretch. ISC partners with A+ rated carriers to match the coverage to the property.
How it fits with your other coverage
Habitational coverage brings together commercial property and general liability so your building and your liability to tenants are protected under one program. One team, one call when something happens.
Get a habitational insurance quote
Tell us about your property and units and we will build a quote that fits. It is quick, with no obligation. Email sales@isccoverage.com, call (631) 750-6990, or request a quote here.
