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Unique coverage solutions for the student housing insurance markets

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 rental tenants a sense of security that they will have a safe home.

What is Student Housing Insurance?


    Student Housing Insurance Coverage Includes:
  • Businessowners Policy (BOP) Prime Policy - providing wider coverage (named perils or special form) versus standard excess and surplus insurance products where a typical Student Housing is placed within

  • 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

What Type Of Properties Are Eligible for Student Housing Insurance?


  • 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

Get a Free Quote

Our Student Housing Program is currently available in PA, OH, DE, VA, DC, and MD. Other Student Housing insurance plans are available nationwide - please call us for more information.