Multifamily Property Insurance Expertise

We don't treat multifamily as a line item, it's a core focus. Our policies reflect that in the depth of coverage, the speed of service, and the relationships we build.

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SPECIALIZED PROTECTION ACROSS ASSET CLASSES.

Multifamily risk varies significantly depending on the building type. Our program specializes in the following:

*Coverage descriptions on this website are general in nature and do not constitute a binding policy or guarantee of coverage. All coverages are subject to policy terms, conditions, and exclusions. Please refer to your policy for complete details.*

Garden-Style Apartments

Garden-style apartments are one of the most common multifamily property types in the country, featuring low-rise buildings, open-air corridors, and landscaped grounds with surface parking. We specialize in this property type.

Mid-Rise Communities

Five to six-story residential buildings present elevated life safety considerations and greater structural complexity. Our policies are structured around the specific risk profile of mid-rise ownership.

Urban Multifamily Developments

Urban multifamily developments are tightly integrated into city blocks with street-level units and minimal setback.We understand the concentrated exposures and unique liability considerations that come with this building type.

TARGET RISK PROFILES

HabGen is actively targeting:

Garden-style communities with meaningful fire breaks
Townhomes
Low-rise properties
Mid-rise properties
Buildings built within the last 20 years or demonstrable effective age of 10 years or less on roofs and systems
Class A and B communities

We specialize in complex and underserved habitational risks and welcome submissions outside of our targeted profiles.

Ready to Submit a Risk?

HabGen provides coverage for professionally managed habitational across the continental U.S.

Complete submissions allow us to provide faster and more accurate indications. To receive a quote, please submit all items to:

underwriting@habgen.com

ACORD 125

SOV spreadsheet with COPE

5 year loss runs valued within last 60 days

Copy of Lease & Parental Guarantee

Supplemental Application

CSV Outputs from PMS (Yardi / Entrata / Realpage / etc)

Current Rent Roll + Occupancy Report
Trailing 12 months: Maintenance / work orders
Trailing 12 months: Income and expense statements