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Habitational Property
MSI® partners with select brokers and leading insurers to provide much-needed property risk capacity for apartments, condos, co-ops and similar properties
Habitational Property
MSI® partners with select brokers and leading insurers to provide much-needed property risk capacity for apartments, condos, co-ops and similar properties
Habitational Property
MSI® partners with select brokers and leading insurers to provide much-needed property risk capacity for apartments, condos, co-ops and similar properties
Solving the insurance access challenge for habitational property owners
Capacity for habitational property has tightened, especially for buildings more than 30 years old. MSI’s program, backed by a leading global insurer and capacity partners helps fill that gap. It’s available in all states except Alaska, Florida, Hawaii, and Louisiana.
Customized coverages for challenging risks
Complex habitational risks need more than an off-the-shelf solution. MSI pairs deep underwriting expertise with the flexibility to build programs that fit each client’s risk management strategy and budget. We start with ISO forms and endorsements, then tailor coverage with targeted additions and exclusions, select manuscript endorsements, and customized deductible options.
Our team manages every part of the program in-house, from underwriting and policy changes to claims. Brokers and agents work with the same experienced professionals for the life of the policy.
Solving the insurance access challenge for habitational
property owners
Capacity for habitational property has tightened, especially for buildings more than 30 years old. MSI’s program, backed by a leading global insurer and capacity partners helps fill that gap. It’s available in all states except Alaska, Florida, Hawaii, and Louisiana.
Customized coverages for challenging risks
Complex habitational risks need more than an off-the-shelf solution. MSI pairs deep underwriting expertise with the flexibility to build programs that fit each client’s risk management strategy and budget. We start with ISO forms and endorsements, then tailor coverage with targeted additions and exclusions, select manuscript endorsements, and customized deductible options.
Our team manages every part of the program in-house, from underwriting and policy changes to claims. Brokers and agents work with the same experienced professionals for the life of the policy.
Solving the insurance access challenge
for habitational property owners
Capacity for habitational property has tightened, especially for buildings more than 30 years old. MSI’s program, backed by a leading global insurer and capacity partners helps fill that gap. It’s available in all states except Alaska, Florida, Hawaii, and Louisiana.
Customized coverages for challenging risks
Complex habitational risks need more than an off-the-shelf solution. MSI pairs deep underwriting expertise with the flexibility to build programs that fit each client’s risk management strategy and budget. We start with ISO forms and endorsements, then tailor coverage with targeted additions and exclusions, select manuscript endorsements, and customized deductible options.
Our team manages every part of the program in-house, from underwriting and policy changes to claims. Brokers and agents work with the same experienced professionals for the life of the policy.
Availability
- Nationwide except Alaska, Florida, Hawaii, and Louisiana
- Excluding Tier 1 (ocean adjacent) and Tier 2 (inland adjacent to Tier 1)
- Excluding wind available in certain counties
Coverage
- Up to $60 million per location
- Up to $10 million per building (sprinklers required above $5 million)
- Coverage includes building, business personal property, other structures, ordinance or law, and business income/extra expense/loss of rents
- Preferred coverages: equipment breakdown and Terrorism Risk Insurance Act (TRIA)
Eligibility
Multi-unit:
- Apartments
- Condominiums
- Townhomes
- Dwellings (when part of a large master schedule)
Preference for buildings constructed in 1980s and later.
Partners integrating MSI’s tech platform
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