The student housing market is booming, but with growth comes risk. Property owners, associations, and developers renting to college students face unique challenges, including frequent tenant turnover, short-term leases, and increased liability exposure. Traditional landlord policies often fail to address these complexities. That’s why Conifer Insurance Services offers a specialized solution: the Student Housing Insurance Program.
Why Student Housing Insurance Matters
Renting to college students isn’t like renting to long-term tenants. These properties experience higher wear and tear, and the youthful nature of residents can lead to accidental damage or liability claims. Student housing insurance coverage ensures property owners have the right protection, safeguarding investments and reducing financial risk.
Program Highlights
Conifer’s Student Housing Insurance Program is designed for seasoned property owners managing off-campus student housing and multi-tenant dwellings. Our underwriting approach prioritizes well-maintained properties and fosters long-term partnerships.
Key Features Include:
- General Liability Insurance: Up to $1M per occurrence / $2M aggregate
- Personal & Advertising Injury: $1M
- Damage to Premises Rented: $100,000
- Products/Completed Operations: $2M
Property Coverage:
- Up to $10M per location
- Buildings, Business Personal Property, and Business Income (ALS)
- Equipment Breakdown, Ordinance & Law, Special Perils
- Property Extension Endorsement
Commercial Auto Coverage:
- Hired & Non-Owned coverage up to $1M
Eligibility & Availability
Our student housing insurance program is available nationwide (excluding Florida), with admitted and excess & surplus lines depending on state requirements. Attestation forms are provided for Michigan, and new ventures are considered. Eligible risks include off-campus student housing, multi-tenant student housing, and dwellings within a multi-tenant portfolio. Ineligible risks include university-owned housing, fraternity or sorority houses, historical buildings, and apartments with high non-student occupancy.
Why Choose Conifer Insurance Services?
With an A.M. Best rating of A- (Excellent), Conifer is a trusted partner for niche markets. Our team understands the complexities of student housing property insurance and works closely with clients to craft solutions that protect their properties and support business growth.
Ready to safeguard your investment?
Visit Conifer’s Student Housing Program page to learn more or request a quote today.
