Apartments & Dwellings

from Southern Colorado Insurance Center

Insurance Policies for Apartment Complexes & Dwellings

Our commercial residential habitational program is for apartments with 11-25,000+ rental units per policy on a BOP. Our program for apartments provides unique coverage options and flexible solutions for all of your client's needs. (See our Community Association section if you are looking for a habitational program for condos.)

We provide habitational programs for professionally managed properties:

Apartment Buildings (11 or more rental units)
Single & Multi-Family Dwellings (11 or more rental units)
Converted Housing
Student Housing
Independent Living Senior Housing
Affordable/Tax Credit/Public Housing We also can provide tax credit loss coverage!
Mixed Apartment/Office & Apartment/Mercantile Lessors Risk Occupancies
High rise
Rebuilding Cost: no cap/dollar limit! Other loss settlement options too. See brochure for overview.

Professional Property Management is key.

Any year construction if updated since 1980
70% occupancy rate
Annual leases for all tenants
Mercantile/office exposures may be eligible - refer to underwriter
ELECTRICAL: No aluminum wiring, No knob & tube or fuses (unless Stype/fusestats)
No space heaters or alternative means of heating
No rooming houses
Out of state owners need a management firm for maintenance
No above ground swimming pools