STUDENT HOUSING &
MULTIFAMILY RISK INSURANCE,
MASTERED.
HabGen is the first and only purpose-built insurance solution, created exclusively for market-rate and student housing communities by industry professionals who understand the unique risks these properties face.
25+ Years of Expertise
Serving All 48 Lower States & D.C.
AM Best A- IX Rated or Better
Ground-Up Coverage
Property & General Liability Package
OUR FOCUS
Built by Operators.
Designed for Habitational.
After decades of firsthand experience operating habitational communities, HabGen Insurance was developed as the only U.S. packaged Property and General Liability solution, built exclusively for student housing and multifamily risk. Unlike generalist carriers, our program streamlines placement through a unified policy structure that simplifies underwriting, reduces friction, and makes doing business easier.
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THE HABGEN ADVANTAGE
HabGen supports brokers with a focused habitational program and direct access to leadership grounded in student housing and market rate expertise. Our underwriting is shaped by the unique operational, financial, and risk dynamics of the asset class, and helps brokers win and retain clients.
24-HOUR TURNAROUND
Indication within hours. Bindable quotes within one business day on clean submissions.
STABLE CAPACITY
Backed by A- rated or better carriers. Consistent market presence through all cycles.
SENIOR UNDERWRITERS
Direct access to decision-makers. No bureaucracy. No committees. Real answers from real experts.
PROPRIETARY ANALYTICS
Advanced financial analysis, sponsor evaluation, and territory-specific pricing built on decades of loss data.
Ready to Submit a Risk?
Complete submissions allow us to provide faster and more accurate indications. To receive a quote, please submit the following:
ACORD 125
SOV spreadsheet with COPE
5 year loss runs valued within last 60 days
Target rate
Target effective date
Send your complete submission to underwriting@habgen.com.
