Unique coverage solutions for owners of student housing facilities

Student Housing Insurance Program

If you house students, a typical apartment building or condo insurance policy won’t protect you against everyday risk. There is a separate set of complex rules when student dwellers are tenants. Landlords for student rental properties face unique risks associated with having younger, short term tenants.

Our Student Housing Insurance Program provides unique coverage solutions for owners of student housing facilities — coverage that not only ensures your property and investments are protected but also gives your student tenants a sense of security that they will have a safe home.

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Coverage features:

• Business Owners Policy (BOP) Prime Policy


• Lifecycle Vacancy Endorsement Automatically Included


• Actual Cash Value, Functional or Replacement Cost Valuation


• $1M/$2M general liability


• Inflation guard – Up to 20%


• Business income coverage covers the Actual Loss Sustained (ALS) by the insured as a result of direct physical loss or damage


• Removal of co-insurance provision — Must be insured to 100% of appropriate valuations


• Covers equipment breakdown


• Optional coverages: Sewer and drain backup, Building ordinance or law, Umbrella coverage – limits up to $10 million

• Traditional and garden style apartment housing with or without office/mercantile occupancy


• Mixed-use occupancy with office/mercantile exposures on the first floor and apartment exposures on the upper floors


• Privately owned


• Off-campus buildings


• Will accept dwellings