Habitational Insurance

Coverage for Apartments, Condos & Residential Complexes

We help independent agents place habitational risks that don’t meet standard carrier guidelines. Whether it’s an aging apartment building, a condo association in a storm-prone area, or a vacant residential property with prior claims — our markets are built for it.



Our habitational program is designed for multi-family properties, residential buildings, and complex rental structures that need flexible underwriting and quick turnaround.

What We Write

  • Apartment complexes (from duplexes to large buildings)

  • Condominium & townhome associations

  • Student housing (case-by-case)

  • Mixed-use properties (commercial + residential)

  • Subsidized or affordable housing

  • Vacant residential buildings

  • Older structures with updates


  • Rental portfolios & investor-owned housing
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Coverages Available

Property Coverage

Structure, roofs, common areas, and more

General Liability

Premises liability for slips, trips, or tenant injuries

Loss of Rents

Income protection when units are uninhabitable after a covered loss

Equipment Breakdown

For boilers, HVAC, elevators, etc.

Ordinance & Law

Helps cover code compliance during repairs

Excess Liability/Umbrella

Extra protection beyond base limits

When to Use

Our Program

  • Buildings with outdated wiring, plumbing, or roofing

  • Properties in high crime or wind/hail zones

  • Prior losses or cancellations by admitted carriers

  • Investors with multiple properties or mixed occupancy

  • Risks with challenging tenant profiles or maintenance history

We understand that habitational isn’t easy right now — but we’ve got markets that are still writing it.

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Regional Insight

In states like Tennessee, Kentucky, Mississippi, and Arkansas, apartment and condo risks often face added scrutiny due to severe weather, rural fire protection class, or aging infrastructure. Whether it's a wood-frame walk-up in Memphis or a coastal condo in Biloxi, our team knows how to navigate the risk and find the coverage.

FAQs

  • Can you write buildings that are 30+ years old?

    Yes. We place older buildings all the time — especially those with updates or maintenance in place. We’ll need info on wiring, HVAC, and roofs, but age alone isn’t a deal-breaker.

  • Can you place coverage for a vacant habitational property?

    Yes. We work with markets that write vacant residential buildings, whether awaiting renovation, between tenants, or held as part of a larger portfolio.

  • What’s your typical turnaround for quotes?

    Most complete submissions receive a response within 24–48 hours. The more details you send upfront, the faster we can get it quoted.

Let’s Get Started

Have an apartment, condo, or complex that’s giving you trouble?


Call 865-909-0181 or send your submission to jacki@sgatn.com


We’ll take a look and get you moving.