Habitational Coverage

House

Protect your habitational accounts with MUSIC's® excess and surplus lines insurance

With support from our experienced underwriters, you can offer comprehensive habitational insurance coverage to residential and commercial property owners with hard-to-place risks in all 50 states.​

HABITATIONAL ACCOUNTS WE INSURE​

We provide excess and surplus lines insurance solutions for habitational accounts including:​

  • Dwellings: 1-4 family
  • Bed and breakfasts
  • Apartment buildings
  • Boarding & rooming homes
  • Student housing
  • Hotels & motels
  • Airbnb/VRBO/peer-to-peer rentals
  • Condos/townhouses/HOAs

COVERAGE OPTIONS FOR HABITATIONAL ACCOUNTS​

MUSIC offers a wide range of E&S lines coverage options to meet your needs, including:​

  • Commercial general liability
  • Commercial property
  • Blanket additional insured
  • Employee benefits liability
  • Identity recovery (IDR)
  • Food spoilage
  • Ordinance or law
  • Lost key