Apartment buildings & multi-family · Yes · Hedge E&S
Hedge / Appetite / Apartment buildings & multi-family
● Actively writing / P&C

Apartment buildings & multi-family.

Frame and joisted masonry up to 4 stories. 10-250 units. Updated roofs win.

NAICS   531110 · 531311 · 531312
Also known as   habitational, apartments, multifamily, tenant-occupied, rentals, MDU
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Coverage

What we'd quote.

Standard limits on a clean apartment buildings & multi-family submission. Excess towers structured on request.

Commercial Property $50M TIV / loc Commercial Property wholesale → General Liability $1M / $2M General Liability wholesale → EPL (HR-1 form) $1M agg EPL (HR-1 form) wholesale →
Sweet spot

Where this fits cleanly.

When the file matches this profile we quote without referral.

01 10-200 units, pitched roof, frame or JM
02 Roof replaced in last 15 years
03 Updated plumbing + electrical
04 Owner-occupied management
Submission

What we'll need to bind.

Pull these together with the file and we quote in hours.

  • 015-year loss runs, all property + GL
  • 02Statement of values with construction class
  • 03Roof age & last replacement date
  • 04Wiring (knob-and-tube? aluminum?)
  • 05Plumbing material & last update
  • 06Section 8 / HUD percentage if any
State nuance

Where the answer changes by state.

For these states, the verdict, the limits, or the subjectivities shift. Open the state page for the full picture.

Apartment buildings & multi-family in California
CA · Edge, case by case
Wildfire score reviewed individually. Avoid 7+/10 unless built post-2010 with defensible space.
Apartment buildings & multi-family in Florida
FL · Edge, case by case
Wind deductible 3-5% standard. Miami-Dade/Broward referred.
Apartment buildings & multi-family in Texas
TX · Edge, case by case
Coastal tier-1 referred individually.
Apartment buildings & multi-family in Louisiana
LA · Edge, case by case
Wind deductible required.
Related

Adjacent classes.

Often relevant to a submission in this class.

P&C Auto repair shops P&C Churches & religious institutions P&C Course of construction P&C Electricians
FAQ

Common questions.

Does Hedge write apartment buildings & multi-family?

Yes. Apartment buildings & multi-family is in appetite. Frame and joisted masonry up to 4 stories. 10-250 units. Updated roofs win. First response inside 30 minutes during business hours.

What does Hedge need to quote apartment buildings & multi-family?

5-year loss runs, all property + GL; Statement of values with construction class; Roof age & last replacement date; Wiring (knob-and-tube? aluminum?); plus 2 more standard items. Pulling these together with the file gets you to a quote in hours.

What limits and lines does Hedge offer on apartment buildings & multi-family?

Commercial Property to $50M TIV / loc; General Liability to $1M / $2M; EPL (HR-1 form) to $1M agg. Excess towers are structured on request.

Does Hedge write habitational?

habitational is one of the ways brokers describe apartment buildings & multi-family, and yes, we handle it under our Apartment buildings & multi-family appetite. Same lines, same limits, same subjectivities as listed above.

· LAST REVIEWED   2026-05-19    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671