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Off-campus student housing insurance protects your investment while housing students.

Secure off-campus student housing insurance to safeguard both your investment and mitigate unique risks associated with student accommodations.

 

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Property and Liability Insurance for Off-Campus Student Housing

Off-campus student housing properties vary widely, from single-family homes to apartment complexes and boarding houses. It’s essential to begin by acquiring commercial property and general liability insurance. Property insurance safeguards your building and certain contents like appliances and furnishings provided by you. Conversely, liability insurance shields you from financial responsibility in case of bodily injury or property damage to others.

Protect Your Investment Property

Your investment property serves as a crucial source of income. Prepare for scenarios where units might remain unrented with business interruption insurance, which can help replace lost revenue due to a covered loss. Additionally, consider equipment breakdown coverage to offset expenses for repairing or replacing critical equipment such as HVAC systems.

Off-campus student housing includes various types such as single-family homes, multi-family dwellings, apartment buildings, garden-style complexes, boarding houses, and dormitories.

Several factors can influence the cost of your policy, such as safety measures, security features, property location, claims history, and building type, among others.

Protect Yourself with Comprehensive Insurance Coverage

Managing off-campus student housing comes with potential legal risks. Accusations of discrimination, harassment, or other wrongdoing can lead to costly lawsuits. Defending against such claims, regardless of their validity, can strain your finances. Employment practice liability insurance (EPLI) can help cover defense costs and damages if you’re held liable for improper employment practices.

Explore Essential Coverages

In addition to EPLI, consider cyber liability insurance to safeguard against financial losses from data breaches. An umbrella policy extends coverage beyond standard limits, crucial for severe bodily injury or property damage incidents. Depending on your property’s location, earthquake, hurricane, or other natural disaster insurance may be advisable. Given flood risks, which are typically not covered by standard property policies, it’s essential to assess flood insurance needs.

Own Off-Campus Student Housing?

Contact us today to tailor insurance solutions that protect your off-campus student housing property effectively.

Insurance for off-campus student housing safeguards your investment when accommodating students.

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