Habitational 2018-05-09T16:42:26+00:00

Why Habitational Insurance?

Habitational Insurance is a necessary element of owning and renting out your property. As any residential property owner can tell you, you're not just responsible for the buildings, but the people who live in them. DUAL's habitational package spans across the country to protect apartments, condominiums, Co-Ops, offices, and even mercantile type structures. This program also offer monline general liability insurance for habitational properties in most states.

Program Highlights
  • Carrier Rated “A+ XV” by A.M. Best
  • Both Admitted & Non-Admitted Paper
  • Property Limits
    $25M Max TIV per Location
  • Liability Limits
    $1M/$2M ($2M/$4M CA Only)
Coverage Area
  • Package & Monoline
  • New York
  • New Jersey
  • Pennsylvania
  • Monoline GL Only
  • All States Except Alaska, Hawaii & Louisiana
  • Admitted $5,000 Min Premium –
    NY, NJ, PA, MA, RI, FL
  • Non-Admitted $15,000 Min Premium –
    All States Except AL, HI, LA
  • Package Only
  • California

Submission Requirements
  • Acord Application
  • DUAL Supplemental
  • Loss Runs/Loss Summary
  • SOV in Excel (Package)
Classes
  • Apartments
  • Condos
  • Offices
  • Mercantile/Retail Type Exposures
Construction & Age
  • No Year Built Restriction
  • Properties Older than 35 Years Must Have Electrical, Plumbing, Roof and HVAC Updated and/or Maintained
  • Properties Older than 50 Years Must Have Electrical, Plumbing, Roof and HVAC Updated Within Last 20 Years
Additional Coverage
  • Hired & Non-Owned Auto
  • Equipment Breakdown
  • Sewer Backup
  • Lead Coverage (New York Only)
  • Crime
  • Directors & Officers Liability
  • Flood/Quake – Max $500K to $1M (East Coast Only)
  • Property Enhancement Endorsement
  • Employee Benefits Liability
Ineligible Risks Exposures
  • Aluminum Wiring
  • Assisted Living
  • Wood Shake Siding/Roofing
  • Risks Greater than 25% Subsidized Housing (Not applicable in CA)
  • Risks Greater than 25% Vacant
  • No Student Housing (Grad Student is Acceptable)
  • Vacant Buildings
  • Armed Security Guards

Contact Our Team

Northeast Region

MEHMET MUTLU

Senior Underwriter

973-631-7575 Ext: 404

mmutlu@dualcommercial.com

MARINELA GIUMBA

Senior Underwriter

973-631-7575 Ext: 408

mgiumba@dualcommercial.com

KYLE MCGUIRE

Underwriter

973-631-7575 Ext. 407

kmcguire@dualcommercial.com

CHRISTY ACKERMAN

Underwriter

973-631-7575 Ext. 412

cackerman@dualcommercial.com

JESSICA DONOVAN

Underwriter

973-631-7575 Ext: 232

jdonovan@dualcommercial.com

JULIE ROMANO

Technical Assistant

973-631-7575 Ext. 405

jromano@dualcommercial.com

JENNIFER OROZCO

Technical Assistant

973-631-7575 Ext. 415

jorozco@dualcommercial.com

Southeast/Midwest Region

GREG LYONS

Underwriter

973-631-7575 Ext: 231

glyons@dualcommercial.com

JESSICA DONOVAN

Technical Assistant

973-631-7575 Ext: 232

jdonovan@dualcommercial.com

West Region

LACEY PATINO

Assistant Vice President

973-631-7575 Ext: 102

lpatino@dualcommercial.com

MARGIE RUFFELL

Underwriter

973-631-7575 Ext: 103

mruffell@dualcommercial.com

DEBRA FLETCHER

Assistant Underwriter

973-631-7575 Ext: 104

dfletcher@dualcommercial.com

SHELLEY RAMIREZ

Assistant Underwriter

973-631-7575 Ext: 105

sramirez@dualcommercial.com