Student Housing Insurance Program
Our Student Housing Insurance Solution
At Conifer Insurance Services, we know that property owners, associations, and developers face complex risks, and we’re here to help. Our experienced team delivers customized habitational insurance solutions that go beyond the basics.
Our Student Housing Program is designed for seasoned property owners who operate well-maintained, privately owned off-campus housing for college students. Often family-run, these businesses reflect our commitment to thoughtful underwriting and building long-term partnerships.
PROGRAM HIGHLIGHTS
- Carrier A.M. Best A- (Excellent)
- Available Nationwide (Excl. FL)
- Admitted & Excess & Surplus (State Specific)
- Attestation Forms Provided (Michigan)
- New Ventures Considered
LIABILITY
- General Liability: Up to $1M / $2M
- Personal & Advertising Injury: $1M
- Damaged to Premises Rented to you: $100,000
- Products/Completed Ops: $2,000,000
PROPERTY
- Property: Up to $10M per location
- Buildings
- Business Personal Property
- Business Income (ALS)
- Equipment Breakdown
- Ordinance & Law
- Special Perils
- Property Extension Endorsement
Commercial Auto
- Hired & Non-Owned: Up to $1M
- Off-Campus Student Housing
- Multi-Tenant Student Housing
- Dwellings if part of a Multi-Tenant Portfolio
SUBMISSION REQUIREMENTS
- Completed applications and loss runs can be sent to CommercialLines@ConiferInsurance.com
MARKETING
Ready to have your business covered?
Questions About Student Housing Insurance
Owning a rental property comes with unique insurance needs, especially when your tenants are college students. Traditional homeowners insurance typically does not cover rental risks, and while landlord insurance helps, it may not be the best fit for short-term or frequently changing tenants.
That’s where specialty dwelling insurance comes in. Designed for flexibility, it offers the proper protection for properties where you’re not the primary resident, helping safeguard your investment from increased risks of damage.
Off-campus student housing comes in many forms, including single-family homes, multi-family units, apartment buildings, garden-style complexes, boarding houses, and more. Regardless of the setup, the first step is to secure the proper protection.
Start with commercial property insurance to cover your building and any contents you provide, like appliances or furniture. Pair it with general liability insurance to protect yourself in case of bodily injury or property damage claims involving others.
Don’t see your product listed? Don’t worry, our experienced agents may still be able to tailor a policy for your specific needs.
Target Classes
- Off-Campus Student Housing
- Multi-Tenant Student Housing
- Dwellings if part of a Multi-Tenant Portfolio
