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Apartments Covered

Habitational market access for apartment placements

Place apartment buildings with a clearer path to quote. Our habitational programs are built around underwriting lanes based on total insurable value (TIV), so you know what to submit, where it’s going, and what turnaround to expect—supported by responsive guidance from submission through bind.

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Underwriting lanes by TIV
Submissions are routed by Total Insurable Value for predictable turnaround from day one.
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Apartment appetite
Built for common habitational exposures across a broad range of apartment property types.
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Fast turnaround + support
Same-day quoting on select tiers, plus broker-first guidance to keep placements moving.
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Underwriting support
Habitational program

Apartment Building Solutions

Designed for apartment risks with a clean workflow, responsive underwriting, and clear expectations— so you can submit confidently and keep placements moving.

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Target classes

A focused appetite for core habitational classes. Built for brokers who frequently place apartment risks and require a dependable, clearly-defined program with smooth execution.

  • Apartment buildings
  • Apartment buildings – NOC
  • Condo associations
  • Apartment hotels
  • Lessors risk (habitational)
  • Schedule of locations (multiple buildings)
Fast turnaround Same-day quoting available on select tiers, with clear routing for larger schedules.
Apartment-focused appetite Built for common habitational exposures across a broad range of property types.
A-Rated; Non-Admitted Carriers Strong paper with flexible program structure designed for apartment placements.
Active states
Map showing active states
Coverage availability varies by class and tier. For full eligibility, use “View state eligibility.”
Market tiers

Markets Based on Property Valuation

Total Insurable Value routes each apartment submission into the right tier—so turnaround, pricing expectations, and workflow stay predictable.

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Up to $1.5M TIV

Best for smaller schedules needing speed and clear submission expectations.
TurnaroundSame-day quotes
Building ageNo restriction
Min. premium (GL)$3,000
Min. premium (Package)$5,000
AvailabilityNot available in IA

High TIV

For larger or more complex schedules—structured submission flow with dedicated underwriting support.
Turnaround1–2 weeks
PricingCompetitive
Program benefits

Why This Program Works

Strong carrier relationships plus a clean underwriting workflow—so your apartment submissions stay clear, predictable, and easy to move.

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A-Rated carriers (non-admitted)
Strong paper with a program structure built for apartment schedules.
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Streamlined underwriting for faster approvals
Clear appetite lanes reduce follow-ups and keep quotes moving.
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Tailored package solutions for apartment risks
Coverage options aligned to common habitational exposures.
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Dedicated support for broker success
Responsive guidance and clear communication from submission to bind.
Why it works visual