Standard commercial carriers are selective on habitational accounts. Specialty carriers like Philadelphia and Berkley have the appetite Georgia property managers need for apartment buildings, condo associations, and HOAs.

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What Habitational Insurance Covers

Building and Common Areas

Covers the building structure, common areas, roofs, and shared amenities (pools, fitness centers, laundry facilities). Replacement cost valuation is critical for Georgia properties given elevated rebuild costs.

Premises Liability

General liability for tenant and visitor injuries, slip and falls, swimming pool accidents, and premises-related claims. Typical limits are $1M to $5M per occurrence. Higher limits almost always justified.

Loss of Rents

If a covered loss (fire, water damage, roof collapse) prevents tenants from occupying units, this pays the rental income the property would have collected. Critical for cash-flow-sensitive investment properties.

Equipment Breakdown

Covers physical and mechanical breakdown of HVAC, elevators, boilers, and electrical systems that standard property excludes. Critical for Georgia apartment buildings and condo associations dependent on shared mechanical systems.

What Habitational Insurance Typically Excludes

Tenant and Unit Owner Property

Tenant personal property is excluded. Leases should require renters insurance. Condo unit owners need HO-6 coverage for their unit; the master policy covers the building, not the individual units.

Flood

Flood is excluded from every habitational master policy. Properties in FEMA flood zones or near waterways need separate flood coverage.

Earthquake

Earthquake is excluded. Georgia seismic risk is low but not zero; review separate earthquake coverage if your property faces meaningful seismic exposure.

Intentional Acts

Willful acts, criminal conduct, and intentional damage are excluded. Standard coverage is for negligent and accidental events.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit for your business.

Commercial Lines

Travelers Commercial

A++ Superior

AM Best A++ commercial carrier with broad multi-line appetite across BOP, GL, workers comp, and cyber for Georgia small to mid-market businesses.

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Commercial Lines

The Hartford Commercial

A+ Superior

Most respected small business commercial carrier with one of the broadest BOP policies available and industry-leading workers comp.

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Commercial Lines - Habitational

Honeycomb Commercial

Demotech A (Financial Stability Rating)

Technology-driven habitational carrier for Georgia landlords and rental property owners declined or overpriced by admitted carriers.

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Get Your Habitational Property Properly Covered

We place habitational coverage through Philadelphia Insurance, Hanover, and Berkley Aspire for hard-to-place accounts. Apartment buildings, condo associations, HOAs, and multi-family investment properties across Georgia.

$5,000 to $50,000+ per year depending on property size

Free Coverage Review

Habitational Insurance in Georgia: Apartments, Condo Associations, HOAs

What Habitational Insurance Covers

Building and Common Areas

Premises Liability

Loss of Rents

Equipment Breakdown

What Habitational Insurance Typically Excludes

Tenant and Unit Owner Property

Flood

Earthquake

Intentional Acts

Carriers We Use for This Coverage

Travelers Commercial

The Hartford Commercial

Honeycomb Commercial

Get Your Habitational Property Properly Covered

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