Habitational & Premises Risks

 

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Having difficulty securing coverage for your insured's Habitational Risk exposure?

Let us help; we have unique markets and creative solutions for Habitational Risks. Our In-House Underwriting team specializes in small Commercial Property and Casualty risks that are not eligible for coverage within the standard markets.

Our product line includes:

  • One to four family dwellings to apartment buildings
  • Habitational Risks with a wide Range of Occupancy
  • Student housing, Section 8 / low income tenants
  • Vacant homes / vacant buildings under renovation
  • Boarding / Rooming and Halfway Houses
  • Minimum premium $500

We have the ability to cover both coastal and non-coastal property:

  • Coastal property coverage is offered with or without wind deductible
  • Minimum premiums as low as $500
  • Capacity up to $5M any one building, $25M aggregate

 

Target Classes:

• One to four family dwellings
• Apartment buildings & condominiums
• High rise apartments
• Garden apartments
• Home owners associations
• HUD housing
• Student housing
• Subsidized housing
• Independent living
• Lessors risk
• Hotels & motels
• Retail stores
• Vacant properties
• Warehouses



For additional information, please contact:

Justin Sloan
860-656-1212
800-356-0168 x 1212

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860-656-1263
800-356-0168 x 1263

 

WWW.SHSMITH.COM

For general information about S.H. Smith & Company, feel free to contact any of our Regional Sales Managers listed below. For any region not listed, please contact our President, or call us at (800) 356-0168. S.H. Smith & Co. is a national firm, licensed to write in all 50 states.

Connecticut
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(860) 656-1272
Massachusetts
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(781) 247-6225
New York / Vermont
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(860) 656-1206
OH / KY / IN / Midwest
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(440) 930-0543
Indiana/Michigan/OH
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(937) 938-1532
MN / Upper Midwest
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(651) 414-3862
Ohio
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(860) 656-1228

CONNECTICUT, FLORIDA, MASSACHUSETTS, MINNESOTA, NEW YORK, OHIO, RHODE ISLAND

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