Ideal Accounts and Appetite
This program targets a broad range of multi-family residential risks. Whether you’re working with established urban properties or newer developments in suburban markets, Fulcrum can help you find coverage for accounts that meet underwriting criteria and risk management standards.
Types of Risks:
- Market Rate Apartments
- Affordable Housing
- Student Housing
- Senior Housing
- Condominium Associations
- Homeowners Associations
You might have a client managing a portfolio of student housing near a large university or a community development group operating several affordable housing units. Fulcrum offers solutions for both—especially when safety features and loss controls are in place.
Coverage Highlights and Advantages
Fulcrum’s Habitational Insurance Program provides a wide range of lines to protect your clients’ assets, operations, and occupants. Premium discounts are available for properties with proven risk mitigation systems, strong safety protocols, and favorable loss histories.
Available Premium Discounts:
- Age of Buildings
- 100% Hard-Wired Smoke Detection
- Central Station Alarm
- Stove Top Fire Suppression
- Freeze Alarm
- Loss History
- Safety Procedures
Lines of Business:
- Property & Equipment Breakdown
- General Liability
- Auto Liability and Physical Damage
- Umbrella
- Crime
- Workers Compensation
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the risk profile and selected lines of coverage. Fulcrum works with various carriers to provide flexible placement solutions, and underwriting is tailored to each property’s characteristics, including building age, safety systems, and claims history.
Territories and Availability
This program is available in most U.S. states, including but not limited to CA, FL, TX, NY, IL, GA, and PA. Fulcrum operates with admitted status in many states, offering a stable market for agents needing habitational solutions in both urban and rural areas.
Why Work With Fulcrum Insurance Programs?
Fulcrum Insurance Programs brings deep expertise in the habitational segment and offers an expanding program division with strong carrier relationships. With access to multiple markets, competitive underwriting, and premium incentives for well-managed risks, Fulcrum is a valuable partner for agents and brokers looking to place multi-family residential business efficiently and effectively.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for market rate apartments, senior living communities, student housing, affordable housing, and residential associations such as HOAs and condo boards.
Do properties need to meet certain safety standards?
Yes, properties with hard-wired smoke detection, central station alarms, and other safety protocols are more likely to qualify and may receive premium discounts.
Is this program available on an admitted basis?
Yes, the program is admitted in most available states, offering stability and regulatory compliance where applicable.
What lines of coverage are offered?
Coverage includes property, general liability, auto liability and physical damage, umbrella, crime, workers compensation, and equipment breakdown.
How do I access this program?
Access is provided through membership in AGPOM. Once a member, you can submit risks directly to Fulcrum Insurance Programs for underwriting consideration.
Need help placing an account? Connect with a market specialist.