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Specialties Habitational

Habitational

Dedicated, Property-Only Experts to Help Clients Navigate this Challenging Environment

Habitational Insurance has become one of the most difficult insurance segments to market and place. Continued poor underwriter performance has caused many insurance companies to pull out of this area. This has resulted in reduced capacity offerings along with drastic term and rate changes. Unit fires, increased magnitude/frequency of wind/hail/wildfire events and unprecedented winter weather claims have resulted in double-digit or higher rate increases.

To meet these challenges, we established a dedicated group of property-only brokers who work in this segment daily. Their expertise gives our clients a partner who can help navigate this complex marketplace.

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Recent Habitational Wins

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$425,000

PROPERTY OWNER IN TX WITH 5,000+ UNITS

$168,522

RESIDENTIAL CONDOMINIUM ASSOCIATION WITH 360 UNITS AND $62M TIV

$130,000

EXCESS $3M X/S $2M SECTION 42 HOUSING WITH LOSSES

$126,315

RESIDENTIAL CONDOMINIUM ASSOCIATION WITH 288 UNITS AND $45.1M TIV

Areas Of Specialty

  • Garden – Style
  • High Rise
  • Student Housing
  • Government Assisted

Available Products

  • All Risk/Special Perils including Wind, Flood and Earthquake
  • Flood only
  • Earthquake only
  • Excess Coverage
  • Builder's Risk
  • Security Services
  • Environmental Coverage
  • Directors & Officers Coverage
  • Fiduciary Liability
  • Employment Practices Liability
  • Errors & Omissions
  • Cyber & Privacy Liability
  • Kidnap & Ransom
  • Terrorism
  • Equipment Breakdown
  • Sewer Back-Up
  • Crime

Notice

Product Documents

Serving you and your clients

Your Local Team

Meet Your Team of Specialized Experts

or Search Your Local Team by Specialty
Kayla Dahms
Senior Associate Underwriter, Commercial Insurance
Works at Chicago Office Map
262.347.0266
Lisa Lewis
Lisa Lewis
Senior Assistant Underwriter, Commercial Insurance
Works at Dallas/Ft. Worth Office Map
817.607.7119
Heather Bickert
Heather Bickert
Underwriter, Commercial Insurance
Works at San Francisco Office Map
415.659.3851
John Golden
John Golden
Broker, Commercial Insurance
Works at Farmington Hills Office Map
248.973.2113
Malcolm Jeffris
Broker, Commercial Insurance
Works at Denver Office Map
303.218.7677
Nick Florio
Nick Florio
Underwriter, Commercial Insurance
Works at New York Office Map
862.242.1035
Erika Cazares
Underwriter, Commercial Insurance
Works at Vancouver Office Map
415.343.1586
Jordan Mahon
Underwriter, Commercial Insurance
Works at Pittsburgh Office Map
412.808.3026
Ethan Buckles
Broker
Works at Chicago Brokerage Office Map
630.874.1073
Kyle Lacertosa
Underwriter, Commercial Insurance
Works at New York Office Map
862.242.1042
Nick Hattling
Broker, Property
Works at Minneapolis Office Map
612.564.1889
Jon Baier
Underwriter, Commercial Insurance
Works at Milwaukee Office Map
262.408.4147
Kirkland Hines
Underwriter, Commercial Insurance
Works at Oxford Office Map
662.550.2212
Emily Emerson
Underwriter, Commercial Insurance
Works at Farmington Hills HQ Office Map
248.539.6105
Elise Ward
Underwriter, Commercial Insurance
Works at San Francisco Office Map
415.659.3859
Kyle High
Kyle High
Underwriter, Commercial Insurance
Works at San Francisco Office Map
415.659.3855
Oscar Nunez
Underwriter, Commercial Insurance
Works at Fresno Office Map
559.490.3179
Allison Viramontes
Allison Viramontes
Underwriter, Commercial Insurance
Works at Los Angeles: Woodland Hills Office Map
818.737.3082
Jeff Sygit
Underwriter, Commercial Insurance
Works at Denver Office Map
303.218.7671
Ryan McEachern
Underwriter, Commercial Insurance
Works at Los Angeles: Woodland Hills Office Map
818.737.3249
Samantha Krause
Manager, Commercial Insurance
Works at Minneapolis Office Map
612.564.1884
Kimberly Bilodeau
Senior Underwriter, Commercial Insurance
Works at Boston Office Map
617.224.0311
Evan Hudson
Manager, Commercial Insurance
Senior Broker
Works at San Francisco Office Map
415.659.3856
Cathy Lee
Senior Broker, Commercial Insurance
Works at Fresno Office Map
559.490.3184
Teresa Cowper
Broker, Property
Works at Atlanta Brokerage Office Map
404.487.1986
Ken Brooks
Senior Underwriter, Commercial Insurance
Works at Tampa Office Map
813.746.3706
Mona Swaim
Senior Underwriter, Commercial Insurance
Works at Dallas/Ft. Worth Office Map
817.607.7151
Shannon Hillen
Senior Underwriter, Commercial Insurance
Works at Pittsburgh Office Map
412.808.3011
Sharesse Zimmer
Senior Underwriter, Personal Insurance
Works at New Orleans Office Map
504.838.3642
Kevin Cuyler
Manager, Commercial Insurance
Works at New Orleans Office Map
504.799.6570
Jody Oster
Jody Oster
Senior Broker, Property
Works at Chicago Brokerage Office Map
312.803.7617
Nicholas Freeman
Associate Managing Director
Broker, Casualty
Works at North Dallas Brokerage Office Map
214.746.5098
Scott Lane
Associate Managing Director
Broker, Property
Works at Atlanta Brokerage Office Map
404.487.1985
Chelsie Tysdal
Associate Managing Director
Underwriter, Commercial Insurance
Works at Los Angeles: Woodland Hills Office Map
818.737.3252
Joe Suda
Senior Director, Excess Casualty
Works at Farmington Hills HQ Office Map
248.865.2268
Travis Verdino
Associate Managing Director
Underwriter, Commercial Insurance
Works at Las Vegas Office Map
702.266.9370
Adrian Smith
Managing Director
Broker, Casualty
Works at Chicago Brokerage Office Map
312.803.4781
Barry Whitton
Managing Director
Broker, Property
Works at Atlanta Brokerage Office Map
404.487.1981

Related Intel

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Featured Image

Video: Habitational Insurance Market Outlook

During the Habitational Insurance Market webinar, our own Kevin Cuyler joined us to provide updates on the current state of the marketplace. Watch highlights from the discussion below.

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Burns & Wilcox has a great response time to getting a quote back to the agent and if there is a delay, they provide reasons to the delay. They also provide solutions to problems we sometimes run into when quoting particularly high risk/difficult properties.

-Ryan V., Client, Santa Ana, California

Burns & Wilcox
Recent Habitational Wins

$425,000

PROPERTY OWNER IN TX WITH 5,000+ UNITS

$168,522

RESIDENTIAL CONDOMINIUM ASSOCIATION WITH 360 UNITS AND $62M TIV

$130,000

EXCESS $3M X/S $2M SECTION 42 HOUSING WITH LOSSES

$126,315

RESIDENTIAL CONDOMINIUM ASSOCIATION WITH 288 UNITS AND $45.1M TIV

$25,000

STUDENT HOUSING

$24,000

LARGE SCHEDULE OF DWELLINGS AND APARTMENTS

$14,700

APARTMENT PACKAGE WITH $6M TIV, GL WITHOUT HABITABILITY EXCLUSIONS

$10,000

VACANT RESIDENTIAL DUPLEXES IN COLORADO

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Honoring a True Pioneer

A BURNS  WILCOX ASSESSMENT

Article Title

April 16, 2020

Written by

Denis Brady

PRESIDENT, BURNS & WILCOX BROKERAGE

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State of the Habitational Market

A BURNS  WILCOX ASSESSMENT