Habitational Insurance

What Is Habitational Insurance?

Apartment / Habitational Coverage Varies Depending on Several Variables. Please See The Chart Blow For Further Details. 

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Habitational Coverage Summary
Typical Property CoveragesBasic Package LimitsEnhanced Package Limits
Business Income (Rents)(Apts Only)$50,000*Actual loss sustained if building amount is $25M or less.
Association Fees & Extra Expense (condos Only)$100,000*$100,000*
Accounts Receivable$5,000*$5,000*
Arson Conviction Reward$5,000$5,000
Building Ordinance or LawCov. A—Covered
Cov. B—$25,000*
Cov. C—$10,000*
Cov. A—Covered
Cov. B—$50,000*
Cov. C—$25,000*
Computer Equipment$5,000*$10,000*
Debris RemovalCoveredCovered
Equipment BreakdownNot CoveredIncluded
Extended Replacement CostCoveredCovered
Fire Department Service Charge$1,000$1,000
Fire Extinguisher Recharge$2,500$2,500
Master Key$100/$5,000$100/$10,000
Newly Acquired Buildings$250,000$250,000
Outdoor Signs$2,500*$7,500*
Pollutant Cleanup$10,000$10,000
Specified Property (Pools, Fences, Walls & Walkways)$2,500*$5,000*
Valuable Papers and Records$5,000*$5,000*
Crime CoveragesBasic Package LimitsEnhanced Package Limits
Employee Dishonesty$5,000*$10,000*
Money and Securities – Inside/Outside$5,000*$10,000*
Forgery and Alteration$2,500$10,000
Liability Coverages
$500,000 per Occurrence
Products/Completed Operations
Premises/Operation Aggregate:
2 x Liability and Medical Expense Occurance Limit
Products/Completed Aggregate:
1 x Liability and Medical Expense Occurance Limit
General Aggregate:
2 x Liability and Medical Expense Occurance Limit
Personal Injury
Advertising Liability
Contractual Liability
Employees as an Insured
Tenants Liability (Apt./Condo)
Medical Expenses$5,000 per person/$25,000 per occurance
Parking Area Liability
* Higher limits available

Other Insurance Packages

Life Insurance

Home Insurance

Business Insurance