Habitational Real Estate Coverage

A suite of business insurance products to protect property owners.

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Leading Writer

of Workers' Compensation insurance in the U.S.

AM Best Rating

A- (Excellent) XV ($2 billion or greater)

Flexibility

Multiple pricing tiers and coverages to suit your insured’s needs

AmTrust Habitational Real Estate Insurance

AmTrust provides insurance solutions designed specifically for apartment building owners, condominiums, and management companies—backed by underwriting expertise and risk control services that help protect long‑term asset value. 

Our products include:

Workers’ CompensationCyber
BOPCommercial Package
General LiabilityProperty
Employment Liability✓ and more.
 

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Preferred Classes

  • Apartments
  • Condos
  • Townhomes
  • Nursing Home / Assisted Living (Property Only)
  • 1 to 4 Family Dwellings and HOAs*

*Select states only

Preferred Exposures

  • Up to $10M single building (Frame/Joisted Masonry)
  • Up to $70M per location (Frame/Joisted Masonry)
  • MNC or better construction $150M+
  • High rise buildings up to 40 stories

Coverage Differentiators

  • Directors & Officers
  • Property and Liability Coverage Enhancements
  • Ordinance or Law
  • Flood and Earthquake up to $5M
  • Umbrella Coverage

Extensive Risk Control Services

We specialize in occupancy-specific risk management solutions. A dedicated team of Risk Control representatives delivers our solutions, committed to protecting your assets and keeping your properties in operation.

Whether you require loss prevention support or risk management assistance, our experienced team offers the individualized attention your business needs.

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