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Habitational

Dedicated, Property-Only Experts to Help Clients Navigate this Challenging Environment

Habitational Insurance has become one of the most difficult insurance segments to market and place. Continued poor underwriter performance has caused many insurance companies to pull out of this area. This has resulted in reduced capacity offerings along with drastic term and rate changes. Unit fires, increased magnitude/frequency of wind/hail/wildfire events and unprecedented winter weather claims have resulted in double-digit or higher rate increases.

To meet these challenges, we established a dedicated group of property-only brokers who work in this segment daily. Their expertise gives our clients a partner who can help navigate this complex marketplace.

Recent Habitational Wins

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$425,000

PROPERTY OWNER IN TX WITH 5,000+ UNITS

$168,522

RESIDENTIAL CONDOMINIUM ASSOCIATION WITH 360 UNITS AND $62M TIV

$130,000

EXCESS $3M X/S $2M SECTION 42 HOUSING WITH LOSSES

$126,315

RESIDENTIAL CONDOMINIUM ASSOCIATION WITH 288 UNITS AND $45.1M TIV

Areas Of Specialty

Apartments
  • Garden – Style
  • High Rise
  • Student Housing
  • Government Assisted
Condos
Senior Living Facilities
Multi-Use Residential/Commercial
Rental Dwelling schedules
Wind only

Available Products

  • All Risk/Special Perils including Wind, Flood and Earthquake
  • Flood only
  • Earthquake only
  • Excess Coverage
  • Builder's Risk
  • Security Services
  • Environmental Coverage
  • Directors & Officers Coverage
  • Fiduciary Liability
  • Employment Practices Liability
  • Errors & Omissions
  • Cyber & Privacy Liability
  • Kidnap & Ransom
  • Terrorism
  • Equipment Breakdown
  • Sewer Back-Up
  • Crime

Featured Expert

Your Local Team

TO SEE YOUR LOCAL BURNS & WILCOX TEAM, PLEASE ENTER YOUR Address.

Corporate Senior Vice President
National Personal Insurance Practice Leader
Works at Detroit/Farmington Hills/HQ Office Map
President, B&W Brokerage
Works at San Francisco Brokerage Office Map
Corporate Senior Vice President
Managing Director
Works at San Francisco Office Map
Senior Vice President
Works at Detroit/Farmington Hills/HQ Office Map

Related Intel

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Burns & Wilcox has a great response time to getting a quote back to the agent and if there is a delay, they provide reasons to the delay. They also provide solutions to problems we sometimes run into when quoting particularly high risk/difficult properties.

-Ryan V., Client, Santa Ana, California