Wholesale Habitational Insurance
Home / 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.

Recent Habitational Wins

See More

$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
Managing Director
Works at San Francisco Office Map
Senior Vice President
Works at Detroit/Farmington Hills/HQ Office Map
President, B&W Brokerage
Works at San Francisco Brokerage Office Map
Corporate Senior Vice President
National Professional Liability Practice Leader
Works at Detroit/Farmington Hills/HQ Office Map
Associate Underwriter, Commercial Lines
Works at Los Angeles: Woodland Hills Office Map
Associate Underwriter, Commercial Insurance
Works at Chicago Office Map
Underwriter, Commercial Insurance
Works at Dallas/Ft. Worth Office Map
Underwriter, Commercial Insurance
Works at North Dallas Brokerage Office Map
Underwriter, Commercial Insurance
Works at Baltimore Office Map
Broker, Casualty
Works at Scottsdale Brokerage Office Map
Broker, Commercial Insurance
Works at Denver Office Map
Underwriter, Commercial Insurance
Works at Fresno Office Map
Underwriter, Commercial Insurance
Works at Atlanta Office Map
Underwriter, Commercial Insurance
Works at Los Angeles: Downtown Office Map
Lead Assistant Underwriter, Commercial Insurance
Works at Detroit/Farmington Hills Office Map
Underwriter, Commercial Insurance
Works at Orlando Office Map
Underwriter, Commercial Insurance
Works at Salt Lake City Office Map
Underwriter, Commercial Insurance
Works at Los Angeles: Woodland Hills Office Map
Underwriter, Commercial Insurance
Works at San Francisco Office Map
Broker, Property
Works at Chicago Office Map
Underwriter, Commercial Insurance
Works at Dallas/Ft. Worth Office Map
Broker, Property
Works at Minneapolis Office Map
Broker, Casualty
Works at Milwaukee Office Map
Underwriter, Commercial Insurance
Works at Parsippany Office Map
Underwriter, Commercial Insurance
Works at Milwaukee Office Map
Broker, Commercial Insurance
Broker, Commercial Insurance
Senior Broker
Works at Los Angeles Brokerage Office Map
Senior Underwriter, Commercial Insurance
Works at New Orleans Office Map
Broker, Property
Works at Atlanta Brokerage Office Map
Senior Broker, Commercial Insurance
Works at San Francisco Office Map
Senior Broker, Commercial Insurance
Works at Fresno Office Map
Senior Underwriter, Personal Insurance
Works at New Orleans Office Map
Manager, Commercial Insurance
Broker, Casualty
Works at Chicago Office Map
Senior Underwriter, Commercial Insurance
Works at Dallas/Ft. Worth Office Map
Senior Underwriter, Commercial Insurance
Works at Dallas/Ft. Worth Office Map
Senior Underwriter, Commercial Insurance
Senior Underwriter, Commercial Insurance
Senior Broker, Property
Works at Chicago Brokerage Office Map
Director, Excess Casualty
Works at Detroit/Farmington Hills/HQ Office Map
Associate Managing Director
Underwriter, Commercial Insurance
Works at Las Vegas Office Map
Associate Managing Director
Broker, Property
Works at Atlanta Brokerage Office Map
Associate Managing Director
Underwriter, Commercial Insurance
Works at Los Angeles: Woodland Hills Office Map
Associate Managing Director
Broker, Casualty
Works at North Dallas Brokerage Office Map
Managing Director
Broker, Casualty
Works at Chicago Brokerage Office Map
Vice President
Managing Director
Works at San Antonio Office Map
Managing Director
Broker, Property
Works at Atlanta Brokerage Office Map

Related Intel

See All

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