The U.S. Leader in Student Housing Insurance
Student housing scares most insurers. The demographic is complex, the risk exposure is real, and few have the expertise to write it well.
HabGen Insurance is the first and only company in the United States to have built a program specifically for this property type.
At HabGen, we specialize in habitational risks that others avoid.
WE DON'T JUST DABBLE IN STUDENT HOUSING,
IT'S OUR MAJOR.
We didn’t adapt a general program to fit student housing: we built one with a concentration in it. Our packaged Property & General Liability program addresses the class head-on with coverages including:
GROUND-UP COVERAGE
BROAD NAMED INSURED ENDORSEMENT
ASSAULT & BATTERY COVERAGE
SEXUAL MISCONDUCT COVERAGE
*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.*
TARGET RISK PROFILES
HabGen is actively targeting off-campus student housing.
We specialize in complex and underserved habitational risks and welcome submissions that may not fit traditional underwriting boxes.
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:
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)
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Current Rent Roll + Occupancy Report
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Trailing 12 months: Maintenance / work orders
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Trailing 12 months: Income and expense statements