Wholesale Insurance Specialists (314) 370-2100 info@denali-specialty.com

Habitational & LRO

Solutions for the Wholesale/Surplus Habitational Insurance Market

Habitational Risk and LRO Property and Liability Insurance policies are designed for commercial residential properties such as apartment buildings, homeowners associations, rental houses, and condominiums as well as a wide variety of lessor’s risk only exposures.

Our products are primarily ISO-based, but we also use special endorsements to strengthen coverages, providing you with the requisite tools to meet your client’s needs, while enabling you to compete effectively in today’s marketplace.

We often have the ability to INDICATE terms in hours, not days or weeks!

Target Classes:

  • Apartments
  • Condominium Owners Associations
  • Hotels or Motels
  • REO and Investor Owned Property Schedules
  • Rooming or Boarding Houses
  • Section 8 Housing
  • Senior Housing or Assisted Living Facilities
  • Co-ops and Student Housing

We Can Consider

  • Vacant Buildings
  • Builders Risk
  • Aluminum Wiring
  • Swimming Pools
  • Sprinklered and Non-Sprinklered
  • Older properties (no age restriction)
  • New Associations
  • Newly Acquired Property and Purchases
  • Prior Losses
  • Mixed Occupancy – Mixed-Use
  • Protection Classes 1-8 Eligible
  • Multi-State Risks
  • Short-Term Rentals

 Policy Structure:

  • Replacement Cost, ACV, or Agreed Value
  • Up to $2.5 million per risk
  • Up to $50 million scheduled TIV
  • Minimum Premiums generally start at $500

We can also provide coverage for

  • General Liability
  • Excess or Umbrella Liability

Required Information:

  • Acord application and Appropriate Supplementals
  • Loss History 
  • Target Premium

Also, check out our exclusive Habitational Property Program!

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