StandardVerified Q1 2026
Source: USLI — Products
USLI: Habitational (Apartments and Dwellings) Insurance Appetite
USLI writes habitational as a standard class with clear size guardrails (100 units/location, 500/policy). Good option for small to mid-size apartment owners and managers. The coastal property sublimit is important for agents in hurricane or flood zones. Pair with a carrier offering WC and commercial auto for full coverage.
Available Lines
| Line of Business |
|---|
| General Liability |
| Commercial Property |
| Business Owners Policy (BOP) |
| Umbrella/Excess |
Premium Range
$2,000-$20,000
Typical annual premium
Target States
All 50 states
Key Features
- Apartments up to 100 units per location and 500 units per policy
- 1-4 family dwellings eligible
- BOP property limits up to $5M
- National availability across all 50 states
Limitations
- Maximum 100 units per location, 500 units per policy
- No workers' compensation — must be placed separately
- Coastal properties may face property sublimits (typically $500K total insured value)
- Assisted living and nursing home properties are excluded