INSURANCE CARRIER
Honeycomb Habitational Insurance
Honeycomb is a technology-driven carrier built exclusively around habitational and residential rental property insurance, using automated underwriting to quote and bind small to mid-size landlord portfolios, often same day for straightforward risks.
Commercial Lines - Habitational
- File a claim 877-414-3815 · 24/7 online and phone
- Online Account & claims portal
- After hoursFile online or call 1-877-414-3815 anytime.
Coverage Focus
What this carrier writes
Overview
About This Carrier
Honeycomb is a technology-driven carrier built exclusively around habitational and residential rental property insurance, using automated underwriting to quote and bind small to mid-size landlord portfolios, often same day for straightforward risks. Where standard admitted markets pull back, Honeycomb stays open: older homes, prior claims history, and landlord profiles that most carriers decline are within their appetite. Their focus runs from single-family rentals through multifamily buildings and small apartment complexes, with commercial property and liability coverage designed for portfolios in the 2- to 50-unit range.
Strengths
What This Carrier Does Well
Fast automated quoting for residential rental portfolios, often binding same day for straightforward risks.
Willing to write properties and landlord profiles that standard admitted carriers decline, including older homes and those with prior claims.
Available with no minimum volume requirements.
Limitations to Know
Where They Fall Short
Non-admitted surplus lines carrier, meaning state guaranty fund protection does not apply if the carrier becomes insolvent.
Limited to habitational risks only. No multi-line capability for landlords who also need general liability, workers comp, or commercial auto.
Newer platform with limited operating history; long-term claims handling track record is not yet established compared to traditional multifamily insurance carriers
Right Fit
Who They Are Best For
Best Fit For
Multifamily property owners and apartment building investors needing commercial property and liability coverage for rental residential buildings, particularly portfolios of 2 to 50 units.
Appetite & Coverage
What They Write
- Line of Business
- Commercial Lines - Habitational
- Coverage Types
- Habitational property and liability for residential rentals, multifamily, and small apartment buildings
- Carrier's Licensed States
- Available in select states through surplus lines
- Commercial Lines States
- Available in select states through surplus lines
- Max Business Revenue
- Property-based underwriting, not revenue-based. Properties up to 20 residential units.
- BOP Appetite
- Habitational only. Honeycomb focuses exclusively on residential rental and multifamily. They do not write standard business owners policy for retail or professional services.
- Industry Classes
- Residential rental only: single-family rentals, duplexes, small multifamily (up to 20 units), some short-term rental. No commercial property, no retail, no office.
Pricing & Claims
What to Expect
Best Pricing For
Small to mid-size multifamily and residential rental properties (1 to 20 units). Most competitive on rental and apartment placements where admitted carriers decline or overprice.
Pricing Context
Honeycomb is competitive for small to mid-size multifamily and commercial property placements. Pricing and appetite are focused on rental residential rather than general commercial operations.
Claims Experience
Honeycomb uses third-party claims administrators. As a newer carrier they have a shorter track record than standard carriers. Straightforward property claims are handled efficiently through their digital platform. Admitted Status: Non-admitted (surplus lines). Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy. Verify this carrier's license with your state insurance department
Admitted Status: Non-admitted (surplus lines).
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts