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HABITATIONAL INSURANCE · GEORGIA

Habitational insurance for Georgia apartment and multifamily owners.

Habitational insurance covers apartment buildings, condominiums, and other residential rental properties under commercial insurance programs. The underwriting requirements differ significantly from single-family landlord policies.

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WHAT'S COVERED

What habitational insurance covers

Commercial Property Coverage

Covers the building and common areas of apartment complexes, condominiums, and other multifamily properties.

Commercial General Liability

Pays if a tenant, visitor, or maintenance worker is injured on the property or if operations cause third-party property damage.

Loss of Rents

Pays lost rental income when the property is damaged and units become uninhabitable during repairs.

IMPORTANT LIMITATIONS

What habitational insurance does not cover

Flood damage

Flood is excluded from standard habitational property policies. Separate commercial flood is required.

Tenant discrimination and wrongful eviction

Tenant disputes including eviction, discrimination claims, and wrongful entry require a separate landlord legal liability or EPLI policy.

Environmental hazards

Lead paint, asbestos, and mold remediation may be excluded or sublimited depending on the carrier and property age.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

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CLAIMS TIPS

If You Need to File a Claim

Practical guidance for the first 24 hours, what to document, common mistakes to avoid, and when to call us.

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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GET STARTED

Own an apartment building or multifamily property in Georgia?

Apartment buildings, condominiums, and mixed-use properties have specific underwriting requirements. Send us the property details and we will compare habitational carriers.

$1,500 to $8,000 per year depending on property type and size

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