Habitational Insurance

Protect Your Investment with HabPRO: Habitational Property Insurance from DeSando Insurance

At DeSando Insurance, we understand the unique challenges faced by owners and managers of habitational properties. That's why we offer HabPRO, a specialized insurance solution designed to safeguard a wide range of properties against the unforeseen. Located in Northern California our team is committed to providing comprehensive coverage tailored to your specific needs.

DeSando Insurance Services has insurance programs that were specifically designed to protect habitational risks.

What will fit the program?

  • Apartments
  • Condominiums
  • 2plex to 4 plex
  • Subsidized/LIHTC/Section8 Up To 15%
  • Student Housing (up to 100%; not owned or operated by a college/university)
  • Mixed-Use Buildings with habitational exposure
  • Non sprinklered frame construction
  • Older Buildings undergoing renovations
  • 55+ Independent Living Communities
  • Hotel/Motel

Program Highlights:

Insured Property Limits up to $50M

General Liability Limits: $1M/$2M

No building age restrictions

Broader Property Enhancement Endorsement which can include:

  • Business Income
  • Equipment Breakdown
  • Ordinance & Law
  • Hired & Non-Owned Auto
  • Water Back up/Sump Overflow
  • Employee Dishonesty

With current insurance market limitations and property insurance rates on the rise, now is the best time to have a no obligation of your current policy. Let us help you to protect your asset and cash flow.

With HabPRO, you can rest assured knowing that your investment is protected against a wide range of risks, including property damage, liability issues, and more.

HabPRO Insurance Quote Form

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