Apartment Program

At Greenwood General, we understand the importance of addressing the complexities of the habitational insurance market. Our Habitational program offers a wide range of coverage options  tailored to meet the unique needs of property owners, providing comprehensive coverage and unmatched protection. 

Contact us today to learn more about our Habitational program and discover how we can help you secure the future of your clients’ valuable assets.


  • $5,000 Minimum Premium – Admitted
  • $2,500 Minimum Premium – Non-Admitted
  • Up to $15 million TIV per location
  • States Available: AZ, CA, NV, OR and WA
  • No Age Restriction – Historical Buildings Not Applicable
  • Additional Insureds can be added at no charge
  • Vacancy rate up to 25%
  • Loss History Acceptable (No open claims or habitability claims)


  • 3-5 Years Loss Runs 
  • Supplemental App
  • Acord 125 + 126 + 140
  • Minimum of 4 units (5 in CA) OR 2 Hab units plus ground floor mercantile – Mercantile exposure limited to 50% or less
  • Liability $1M/$2M with $ 2M/$4M subject to approval on larger accounts over $10,000 in premium
  • Additional Coverages: HNOA, Equipment Breakdown, Business Income, Sewer Back Up and Building Ordinance