At J.M. Wilson Corp., we put our agents and their clients first. Our Habitational Insurance program is designed to help you place residential property accounts with coverage options tailored to a variety of housing types and unique exposures. Whether your client owns a single tenant-occupied dwelling or manages a multi-location apartment portfolio, we have markets to help you find the right fit.
We partner with a range of A-rated carriers, offering both admitted and non-admitted options to provide flexibility and competitive solutions. Coverage is available as monoline, package, or umbrella policies, depending on your client's needs. Our experienced underwriters are ready to help you navigate complex risks and secure coverage efficiently.
Ideal Accounts and Appetite
We are actively seeking a wide range of habitational risks, including but not limited to:
- Student housing
- Shelters and halfway houses
- Apartment complexes (up to 500 units)
- Tenant-occupied 1–4 family dwellings
- Transitional housing and rehabilitation centers
You might have a client who owns several student housing properties near a university or one who operates a transitional housing facility with counseling services—we can help you place these accounts with confidence.
Coverage Highlights and Advantages
Student Housing Policy Features:
- General and property liability
- Property extension options
- Loss of rent coverage
- Equipment breakdown protection
Shelters and Halfway Houses Policy Features:
- Coverage for facilities offering room and board to victims of domestic violence and their children
- Overnight shelter for the homeless
- Voluntary admission drug or alcohol rehab centers
- Transitional housing with support services (e.g., counseling, job assistance)
- Soup kitchens operated independently or in conjunction with shelters
- Professional Liability Endorsement included at no additional cost
Apartments Policy Features:
- Coverage for risks with multiple locations
- Up to 500 total units
- Limits up to $1M per occurrence / $2M aggregate
- Equipment Breakdown with complimentary boiler inspections where required
- Commercial Umbrella options available
Dwellings Policy Features:
- 1 to 4 family tenant-occupied residences
- Named insureds can include Trusts, Estates, Limited or Family Partnerships
- Accepts prior loss history
- Automatic inclusion of liability supplemental coverage
- No mandatory roof exclusion
Underwriting Notes and Minimum Premiums
We understand that not every risk is perfect, which is why we offer underwriting flexibility on accounts with prior losses or unique ownership structures. Minimum premiums vary based on coverage type and risk characteristics. Contact us for a quick review of your client's situation.
Territories and Availability
This program is available in the following states: AL, AR, GA, IA, IL, IN, KS, KY, MI, MO, MS, NC, NE, OH, OK, PA, SC, TN, VA, WI, and WV.
Why Work With J.M. Wilson?
As a Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson brings decades of expertise and strong carrier relationships to help you secure the right coverage for your clients. Our team is committed to fast, responsive service and underwriting support that makes complex habitational risks easier to place.
For more information about our Habitational Insurance program, or any other program on CompleteMarkets, give us a call!