Important: As wildfires continue to affect communities throughout Los Angeles County, we are here to help you and your clients. (Read More)

Specialties Habitational

Habitational

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.

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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

Frequently Asked Questions | Overlooked Coverages

Often, no. Many coverages require endorsements or separate policies.
Coverage varies by location and policy structure, and wind losses may be excluded or subject to separate deductibles or policies.
Older buildings may be required to comply with updated building codes after a covered loss, resulting in costs that are not fully covered under standard policies.
No. Equipment Breakdown Coverage responds to sudden and accidental mechanical or electrical failures and does not apply to wear and tear or deferred maintenance.

Areas Of Specialty

  • Garden – Style
  • High Rise
  • Student Housing
  • Government Assisted

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

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Product Documents

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Hospitality Insurance: Short-Term Rentals

Short-term and vacation rentals can create unique coverage considerations. In this clip from our recent Hospitality Insurance webinar, Nick Caletri, Senior Underwriter, Commercial Insurance, Burns & Wilcox, New Orleans, LA, explains

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Hospitality Insurance: Emerging Risks

New hospitality trends are bringing new liability concerns. In this short clip from our recent Hospitality Insurance webinar, Ashley Poe, Associate Managing Director, Underwriter, Commercial Insurance, Burns & Wilcox, Charlotte, NC,

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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

Burns & Wilcox
Recent Habitational Wins

$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

$25,000

STUDENT HOUSING

$24,000

LARGE SCHEDULE OF DWELLINGS AND APARTMENTS

$14,700

APARTMENT PACKAGE WITH $6M TIV, GL WITHOUT HABITABILITY EXCLUSIONS

$10,000

VACANT RESIDENTIAL DUPLEXES IN COLORADO

Eligibility Guidelines

Below are the eligibility guidelines for online binding and issuing Cyber Liability:

– Revenue up to $15M accepted
– 138 Industries Accepted
– Excluded Industries include: adult content, auction sites, data processing, debt collection, direct marketing franchisees, healthcare aggregators, online gambling, payment processors, pos technology, search engines and social media.

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Honoring a True Pioneer

A BURNS  WILCOX ASSESSMENT

Article Title

April 16, 2020

Written by

Denis Brady

PRESIDENT, BURNS & WILCOX BROKERAGE

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State of the Habitational Market

A BURNS  WILCOX ASSESSMENT

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As wildfires continue to affect communities throughout Los Angeles County, we want to express our heartfelt support for the residents, first responders, and all those working tirelessly to combat these devastating fires.

We understand the challenges posed by this crisis. If you need assistance or have questions about your client's coverage during this time, the team at Burns & Wilcox is here to help.