Student Housing Insurance
For Insurance Professionals Placing Off-Campus Student Housing Risks
Property Available up to $10M per Unit | AM Best A- Carrier | Admitted and E&S Options
Conifer’s Student Housing program is built for experienced property owners who manage well-maintained, privately owned off-campus housing for college students. These operations are often family owned and managed, with dedicated maintenance teams and a track record of responsible property management.
This is a targeted program with a specific appetite. Not every student housing operation qualifies. The program is designed for owners and managers who take a hands-on approach to maintenance, tenant screening, and property condition.
Backed by Accelerant National Insurance Company (Admitted, Michigan) and Hadron Specialty Insurance Company (E&S), both rated AM Best A- (Excellent).
- Admitted in Michigan
- E&S in Indiana and Ohio
Core Coverage Structure
Liability
- General Liability: Available up to $1M/$2M
- Personal & Advertising Injury: Available up to $1M
- Damage to Premises Rented to You: $100,000
- Products/Completed Operations: Available up to $2M
Property
- Property: Up to $10M per Unit
- Buildings
- Business Personal Property
- Business Income (ALS)
- Equipment Breakdown
- Ordinance & Law
- Special Perils
- Property Extension Endorsement
Commercial Auto
- Hired & Non-Owned Auto: Available up to $1M
Target Classes
Conifer’s Student Housing program has a narrow, defined appetite. This is intentional. The program is built for a specific type of operation, and the underwriting reflects that focus.
Ineligible Risks
The following risks are not eligible for the Student Housing program:
- University-Owned Housing
- Fraternity or Sorority Housing
- Historical Buildings
- Apartments with High Non-Student Occupancy
- Locations with Outdated Building Systems
Who This Program Is For
Off-campus, multi-tenant college student housing owned and operated by experienced property management groups. The ideal risk has three characteristics:
- Dedicated Maintenance Team. The property has on-site or responsive maintenance staff who handle repairs, unit turns, and building upkeep on a consistent schedule. Deferred maintenance is the leading driver of claims in student housing, and properties without a dedicated team carry a fundamentally different risk profile.
- Experienced Property Management. The owner or management company has a track record of operating student housing. They understand the tenant demographic, lease cycle, move-in/move-out damage patterns, and the operational demands that come with housing college students. First-time operators or owners entering the student housing market for the first time are not the target.
- Well-Maintained Properties. Building systems (electrical, plumbing, HVAC, roofing) are current and properly maintained. The property meets local code requirements and does not rely on outdated infrastructure. Properties with deferred capital improvements or aging systems that create loss frequency are not a fit.
Pre-Qualification Checklist
Before submitting, agents should confirm the following:
- The property is privately owned off-campus student housing (not university-owned)
- The property is multi-tenant
- The majority of tenants are college students
- A dedicated maintenance team is in place
- The owner or management company has experience operating student housing
- Building systems are current and well-maintained
- The property is not a historical building
- The property is not a fraternity or sorority house
If the risk checks all of these boxes, it is likely a fit for the program. Submit to CommercialLines@ConiferInsurance.com for underwriting review.
Submissions & Downloads
How to Submit
Send completed applications and loss runs to:
CommercialLines@ConiferInsurance.com
What We Need
- Completed SOV, ACORD forms, or equivalent completed application
- 3-5 years of loss history (current and prior carriers)
- Property details including building age, construction type, unit count, and recent capital improvements
- Description of maintenance team and property management experience
Downloads
Frequently Asked Questions for Student Housing Insurance
The Student Housing program is backed by Accelerant National Insurance Company (Admitted, Michigan) and Hadron Specialty Insurance Company (E&S), both rated AM Best A- (Excellent).
Admitted in Michigan. E&S in Indiana and Ohio.
Off-campus, multi-tenant college student housing with a dedicated maintenance team and experienced property management. The property must be privately owned, well-maintained, and primarily occupied by college students.
No. Fraternity and sorority housing is not eligible under the Student Housing program.
No. University-owned housing is not eligible. The program is designed for privately owned, off-campus operations.
Historical buildings are not eligible. Properties with outdated building systems (electrical, plumbing, HVAC, roofing) that have not been updated are also not eligible. The program targets well-maintained properties with current systems.
Properties with high non-student occupancy are not eligible. The program is designed for properties where the majority of tenants are college students.
Deferred maintenance is a leading driver of claims in student housing. Properties with dedicated maintenance staff demonstrate a proactive approach to property condition that directly correlates with better loss experience. This requirement allows the program to offer competitive terms.
Yes. Ordinance & Law coverage is available as part of the property program.
Ready to Help
Conifer Insurance Services is a specialty Managing General Agency that partners exclusively with independent retail and wholesale insurance agencies to deliver niche commercial programs for cannabis, hospitality, liquor liability, specialty retail, and student housing risks, backed by A-rated carrier partners and supported by responsive, service-first underwriting.