Request your quote for customized habitational insurance.



For individuals and businesses

Habitational Insurance is for anyone who owns a rental property or is renting out a property. This can include single-dwelling landlords, multi-unit dwellings, apartment building owners, condominium owners, hotels, and more! These types of places are often not covered by traditional insurance policies due to their inherent risk and unique characteristics. We’re here to fill the gaps.

XINSURANCE provides customized insurance solutions even if you’ve been declined, canceled, or non-renewed by another insurance provider. You face a lot of risk as an owner or a business so we’re here to provide true peace of mind.

habitational insurance
habitational insurance


Who Can Get Habitational Insurance?

Basically, anyone who owns a rental property or is renting out property needs habitational insurance.

These people/businesses might include single-dwelling landlords, multi-unit dwellings, apartment building owners, condominium owners, hotels, boarding houses, student dormitories, timeshare property owners, and more.

No matter if the property is large or small or if you’ve been in business for 1 year or 20, XINSURANCE provides customized insurance solutions to individuals and businesses regardless of their situation. Even if you’ve been declined, canceled, or non-renewed by other insurance providers, we can still help!

Available Coverages

There are a lot of coverages that a habitational insurance policy can include. With XINSURANCE, you can get all-in-one coverage, meaning these coverages can fall under one policy. Available coverages can include:

  • Commercial general liability
  • Premises liability
  • Active shooter liability
  • Communicable disease liability
  • Exclusions/gaps in current coverage
  • Property coverage – Wind, fire, and storm damage
  • Commercial auto liability (available in most states)
  • Hired and non-owned auto liability
  • Directors & officers liability (D&O)
  • Errors & omissions liability (E&O)
  • EPLI (employment practices liability insurance)

Other coverages are typically covered by admitted companies but XINSURANCE can still provide coverage when/if needed. These coverages can include:

  • Building codes
  • Pollution
  • Explosions
  • Vandalism, malicious mischief, and theft
  • Aircraft and vehicle damage
  • Signage
  • Equipment breakdowns
  • Environmental cleanup
  • Loss of cleanup

Please note that we do not provide workers’ comp.


XINSURANCE is a full-service liability insurance partner that finds solutions to the most challenging risks. We provide all-in-one protection to anyone looking for coverage, even if you’ve been canceled or non-renewed by your carrier. We can also customize your plan to ensure it meets your specific needs. You’ll have true peace of mind knowing you have a trusted partner by your side whenever an accident or incident occurs.

Get a Free Habitational Insurance Quote Today!

If you’d like to receive a quote, you have a couple of options. You can call us right now at 877-585-2853 to speak with an underwriter and get a quick estimate – or – you can fill out the short form at the top followed by an online application that’ll provide us more information about your needs. Then, an underwriter will call you to provide a quote and discuss any concerns you have.

Our quotes are always free, with no obligation. We can even provide a free review of your current policy to address any gaps or exclusions that may be present. Call us today and let’s get started!

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 30 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

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