Student & Senior Housing Insurance
Specialty habitational property and liability for student housing and senior living portfolios.
By Dan Wentz, commercial real estate insurance broker · Updated
Student and senior housing look like apartments on paper and underwrite like nothing else.
Student housing turns over every August, sits half-empty through the summer, and lives on life-safety compliance. Senior living adds resident care, professional liability, and abuse & molestation exposure that a generic apartment carrier wants no part of. These accounts belong with specialty markets that understand the occupancy model, and that's where we take them.
Who this is for
Built for accounts like yours
Coverage
What we structure
Habitational property
Building and rents with realistic valuation and catastrophe structure.
General liability
Premises liability tuned to student or senior occupancy, not a generic apartment form.
Professional & resident care
Professional liability for senior living and care operations.
Abuse & molestation + umbrella
A&M coverage placed explicitly, with excess towers for these higher-sensitivity classes.
Tools & guides
Run the numbers yourself
Free tool
Multifamily Insurance Impact Calculator
Free, no email required: see what your premium is doing to NOI, value at your cap rate, DSCR, and cost per unit, plus the deductible and valuation exposures sitting behind the premium.
Run your numbersFree tool
Coinsurance Penalty Calculator
Free, no email required: a coinsurance clause cuts every claim, not just a total loss, when the limit trails replacement cost. See the exact payout on your loss, the penalty across loss sizes, and what it takes to cure the gap, plus the margin clause that replaces it on blanket programs.
Run your numbersFAQ
Common questions
Do you cover senior living professional liability?
Yes. Senior and assisted living carries resident-care exposure that ordinary premises liability was never built for. We place professional liability through specialty senior-care markets and coordinate it with the GL, the A&M coverage, and the umbrella so the policies respond together instead of pointing at each other.
Is abuse & molestation coverage included?
It has to be, and we place it explicitly, often with its own limit. A&M left to a buried sublimit or a silent exclusion is one of the most expensive discoveries a housing owner can make after a claim.
How is student housing summer vacancy handled?
By telling the truth about it up front. We present the seasonal occupancy pattern accurately so the program is priced for the real risk and a vacancy provision doesn't void coverage over winter break.
Coverage described on this page is a general summary, not a quote, coverage recommendation, or offer of insurance. Requesting a quote doesn't bind coverage. Terms, exclusions, and availability vary by carrier, state, and property, and only the policy actually issued determines coverage. Insurance is placed through producers licensed in the state where the property is located.
Free renewal review
Talk to a student & senior housing specialist
We'll reply within one business day with when to start marketing it and what to have ready. Built for accounts with $50,000+ in annual premium.
- A second set of expert eyes on your program, free.
- Marketed to the carriers that actually want your risk.
- No obligation, fully confidential.
Book 20 minutes or call (205) 999-4884