Habitational

The Tuscano Agency specializes in all types of habitational exposures from small 1 family rental dwellings to large condo complexes. Occupancies can vary from family rented to student to senior citizen housing.

See also:

Available in: CT, DE, FL, GA, IL, IN, MD, MA, MI, NH, NJ, NY, NC, OH, PA, SC, TN, TX, VA, WV

Line of Business: Property and Package

Programs

Target Risks

  • Apartment buildings
  • Apartments buildings with vacancies
  • Condominiums/Townhouses
  • Dwellings
  • Government/subsidized housing
  • Personal care homes
  • Residential condo rental
  • Residential condo unit owners
  • Retail/habitational mix
  • Rooming or Boarding houses
  • Senior housing
  • Student housing

We will consider:
  • Protection classes 1-10
  • All types of construction
  • No 'story' limitation on apartment buildings
  • Policies with a lapse in coverage if the account meets favorable underwriting guidelines
  • Out of state landlords
  • Large property risks including:
    • Primary high values
    • Excess layers
    • Blanket limits with a statement of values

Features

  • Special cause of loss available on updated buildings
  • ACV, RC or FBV available on certain classes
  • Up to $30 Million in property limits and $100 Million with underwriter approval
  • GL limits up to $1,000,000/$2,000,000 - excess or umbrella coverage available
  • Business Income on an Actual Loss Sustained basis on selected larger accounts
  • Ordinance or law coverage available
  • Equipment breakdown coverage available
  • Admitted and non-admitted carriers
  • Layered property limits available for larger risks
  • Excess flood and earth quake coverage available
  • 0% co-insurance is available

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Underwriters

Call 866-442-8063 then dial underwriter's extension.