Habitational

Serving the Insurance Needs of the Habitational Industry

Owners and managers of habitational real estate, such as apartments, condominiums, and co-ops, need to insure against property damage and injuries to residents and visitors, but evaluating the risk exposure at these properties is difficult. Valuing the properties is complex, and the sheer number of people who could be injured while at them compounds the problem.

At DiNicola Insurance Services, we help owners, managers, and associations construct a comprehensive insurance and risk management program that includes accurate property valuations and niche coverage for the unique needs of the habitational real estate sector. We can even find coverage for hard-to-insure locations, such as coastal areas, and will review earthquake exposures to determine the options available.

Our insurer partners offer property insurance that covers real property, rental income, equipment breakdown, crime, sewer and drain backup, debris removal, valuable papers coverage, accounts receivable, and more. Our general liability product not only covers broad business insurance needs, but also offers opportunities to insure against mold, lead paint, and vacancy problems under certain conditions.

Additionally, there’s a wide range of coverages we’ll evaluate in analyzing your needs, including but not limited to: Replacement Cost, Building Ordinance or Law, Contingent Liability from Building Laws, Business Income and Maintenance Fees, Foundations, Underground Flues, Pipes and Drains, Employee Dishonesty Coverage, Pollution Liability, and Third-Party Liability.

We also provide key fundamental coverages for an comprehensive insurance program: Umbrella and Excess Liability, Directors and Officers (D&O), Errors and Omissions (E&O), Cyber Liability, Employment Practices Liability, Business Auto, and Workers Compensation policies.

For associations, master policies are available, and, in some cases, you get a package policy that combines the basic multi-peril coverages into one policy. We work with all ages of buildings and all construction types. Our employee benefits solutions can round out your insurance suite

We are your answer for complex risk programs.

DiNicola Insurance Services provides commercial insurance, employee benefits, and risk management services in communities throughout the San Francisco Bay area, including San Mateo, San Jose, Alameda, and Marin County, California. To get started on a complete insurance program for your business needs, contact us by phone at 855.247.1912 or by email, or you can complete and send the form on this page.