https://completemarkets.com/company/Advanced-EandS-Group/habitational-insurance/
Overview of the HABITATIONAL Insurance Program from Advanced E&S Group - Southeast Region
Advanced E&S Group - Southeast Region offers a habitational property program designed for agents who need flexible, non-admitted solutions for multi-tenant and association exposures. Written and underwritten through a panel of various surplus markets via our Managing General Agency platform, this program focuses on all-risk property placements with replacement cost options and a broad set of ancillary coverages to protect building owners and associations.
Ideal Accounts and Appetite
This program targets traditional habitational and mixed-use properties where a surplus lines placement or broader wording is required. Typical fits include:
Target Classes
Condominiums / Apartments / Homeowners Associations / Office Buildings / Mercantile / Warehouses
General Liability written alongside property
Buildings and Personal Property on an all-risk / replacement cost basis
Loss of Rents, including wind endorsements where available
Ordinance and Law coverage (including wind endorsement options)
Boiler and Machinery (Equipment Breakdown)
Sinkhole coverage
Mono-line property placements
Flood coverage available
Windstorm protection available in most areas
Coverage Highlights and Advantages
All-risk property forms with replacement cost valuation options to help insureds restore value after a covered loss.
Loss of rents and business income extensions, including wind where permitted by the market.
Ordinance & Law and equipment breakdown add-ons to address common habitational exposures.
Flexible mono-line property or package placements to meet a variety of broker needs.
Access to multiple surplus carriers through Advanced E&S Group’s underwriting relationships — useful when admitted markets are limited or declining.
Underwriting Notes and Minimum Premiums
Underwriters evaluate each submission on occupancy, construction, age, fire protection, loss history, management practices, and geographic hazard (flood/coastal wind, sinkhole zones). Accounts with high vacancy, uncontrolled deferred maintenance, or adverse loss frequency may face restrictions or higher terms. Minimum premiums vary by carrier and state; please reference the specific carrier appetite or contact your Advanced E&S Group underwriter for details.
Territories and Availability
This program is available through Advanced E&S Group - Southeast Region in the following jurisdictions: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC. The program is offered on a non-admitted/surplus lines basis (not admitted) through various carriers in the program panel.
Why Work With Advanced E&S Group on HABITATIONAL Business
As a Managing General Agency focused on surplus markets, Advanced E&S Group combines marketplace access with habitational underwriting expertise. That means you get targeted appetite for habitational property risks, flexible wording options (including ordinance, loss of rents, sinkhole, and equipment breakdown), and a solutions-oriented approach when admitted markets can’t meet client needs.
Example Accounts That Fit Well
Mid-size condominium association seeking replacement cost property coverage, ordinance & law protection, and loss of rents coverage after a recent coastal wind loss history where admitted options are limited.
Small apartment building owner looking for mono-line property with boiler & machinery and sinkhole coverage in a non-admitted placement due to their prior carrier non-renewal.
Submission Essentials
To obtain a timely review, provide a completed property application, current loss runs, recent photos of the building exterior, occupancy information, and any relevant mitigation or retrofit details for wind/flood if applicable. Advanced E&S Group’s underwriting team will advise on additional forms or supplemental information required by the selected carrier.
Frequently Asked Questions
What types of habitational accounts are a good fit for this program?Condominiums, apartment buildings, HOAs, mixed-use office/mercantile with residential units, and warehouses with habitational exposures are typical fits—especially when you need surplus lines capacity or broader policy wording than admitted markets offer.
Is this program offered on an admitted basis?No. This program is placed through surplus markets and is offered on a non-admitted (surplus lines) basis in the territories shown.
What coverages can I expect to add to a habitational policy?Markets in the program commonly offer all-risk property with replacement cost, loss of rents (including wind endorsements in many areas), ordinance & law, boiler & machinery, sinkhole, and flood options—subject to carrier appetite and underwriting review.
Are there accounts that are typically declined or need special handling?Accounts with high vacancy, uncontrolled deferred maintenance, repeated severe losses, or extreme coastal exposure without mitigation may be limited or require specific loss control measures. Each submission is reviewed individually.
What is the minimum premium?Minimum premium varies by carrier and state. Provide a full submission and the underwriter will confirm the applicable premium thresholds for the selected market.
Need help placing an account? Connect with a market specialist.