Habitational

Specifically designed for Residential, Mercantile and Commercial Real Estate Buildings.

Why Habitational Insurance?

Habitational insurance is a necessity for owners of residential, mercantile and commercial real estate. As any property owner will tell you, you’re not just responsible for the buildings – you also have a responsibility for the safety of your customers, renters and other third-parties.

DUAL’s habitational program provides coverage for apartments,  condominiums, cooperatives, offices and mercantile operations. DUAL offers package and monoline general liability and property solutions for habitational risks in the states listed below.

Program Highlights
  • Carrier Rated “A XV” by A.M. Best
  • Admitted & Non-Admitted Paper
  • Property Limits
    $25M Max TIV per Location (Higher limits up to $50M available)
  • Liability Limits
    $1M/$2M ($2M/$4M CA Only)
Coverage Area

Package & Monoline GL/Property

  • AR, CT, DC, DE, KY, LA, MA, MD, ME, MI, MT,  NC, NH, NM, NJ, NY, OK, PA,RI, SC, TN, TX, VA, VT, WV & WY

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
  • All Construction Types
  • No Year Built Restriction
  • 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 (CA Only)
  • Flood/Quake – Max $1M (Subject to eligibility)
  • Property Enhancement Endorsement
  • Employee Benefits Liability
Ineligible Risks Exposures
  • Aluminum Wiring
  • Assisted Living/ Nursing Homes
  • Risks Greater than 50% Subsidized Housing (Not applicable in CA)
  • Risks Greater than 50% Vacant
  • No Student Housing (Grad student is acceptable)

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

Underwriting Assistant

973-631-7575 Ext. 405

jromano@dualcommercial.com

JENNIFER OROZCO BERRIOS

Underwriting Assistant

973-631-7575 Ext. 415

jorozco@dualcommercial.com

CHRISTINA CAPONERA

Underwriting Assistant

973-631-7575 Ext: 400

ccaponera@dualcommercial.com

Southeast/Midwest Region

SHAWN CHRISTIANSEN

Vice President, Underwriting Manager

973-631-7575 Ext: 184

schristiansen@dualcommercial.com

GREG LYONS

Senior Underwriter

973-631-7575 Ext: 231

glyons@dualcommercial.com

JESSICA DONOVAN

Underwriter

973-631-7575 Ext: 232

jdonovan@dualcommercial.com

KAYLA MILLER

Underwriting Assistant

973-631-7575 Ext: 146

kmiller@dualcommercial.com

ADRIANA RIVERO

Underwriting Assistant

973-631-7575 Ext: 165

arivero@dualcommercial.com

West Region

LACEY PATINO

Vice President, Senior Underwriter

973-631-7575 Ext: 102

lpatino@dualcommercial.com

MARGIE RUFFELL

Underwriter

973-631-7575 Ext: 103

mruffell@dualcommercial.com

DEBRA FLETCHER

Underwriter

973-631-7575 Ext: 104

dfletcher@dualcommercial.com

SHELLEY RAMIREZ

Underwriter

973-631-7575 Ext: 105

sramirez@dualcommercial.com