Habitational/Property Owner Insurance Programs
Protection for today, so your investment will be here tomorrow.
Many of America’s real estate investors have gained tremendous value over the last few years. While that is a breath of fresh air, there have also been significant complex issues and demands evolving. Here at Liberty, we have devoted time and resources to not just understanding your risks but developing programs to mitigate your risks and drive down insurance spend.
- Market shifts and evolving tenant needs.
- Government regulations
- Maintenance costs are on the rise, again.
- Geopolitical risks
- Increased interest rates
- Tax increases
- Loan approval timeframes and deeper underwriting hurdles
- Mass claims affecting entire regions
- Carrier capacity constraints and market exits
Why Choose Liberty for Habitational/Property Owners Insurance?
Our experts will work with you to mitigate risk, drive down cost and stay abreast of the latest insight for property owners. It is not just about the strategies we bring to the table; it’s about our ability to execute those strategies.
Industry Expertise
Our team understands the complexities of multi-family dwellings, condo associations, and large residential developments.
Tailored Coverage
We customize programs for everything from single apartment complexes to national portfolios.
Risk Management Support
Ongoing guidance to help reduce losses and control insurance costs.
Comprehensive Protection
Property, general liability, umbrella, flood, and more—designed specifically for habitational risks.
Frequently Asked Questions
Habitational insurance is specialized coverage for residential rental properties such as apartment buildings, condominiums, and multi-family dwellings. It protects owners and managers from property damage, liability claims, and loss of rental income caused by fire, water damage, natural disasters, accidents, and other risks unique to housing.
Anyone who owns or manages a residential rental property can benefit. This includes independent property owners, real estate investors, property management companies, developers, condo associations, and mixed-use building owners.
Coverage can include building and property protection, general liability, loss of rental income, equipment breakdown, crime or theft, flood or earthquake (optional), and umbrella liability for added protection. Your Liberty advisor will tailor a program to your specific properties and exposures.
While both protect against property damage, habitational insurance is designed for the unique risks of multi-tenant living (such as tenant injuries, shared spaces, higher foot traffic, and multiple kitchens or water sources) offering broader and more specialized protection.
Request a Quote
Protect your properties with a program built for habitational risks.