Habitational Insurance

Comprehensive Insurance Built Around Your Property Coverage Needs

Though owning high-net-worth commercial residential properties can be a profitable source of income, it comes with hard-to-cover risks and liabilities that require more than adequate coverage. At GrayStone Insurance Group, we provide habitational insurance to protect your property along with its high-priced contents, tenants, and visitors.

Partner with us to get best-in-class habitational insurance in Texas & New York today!

Protect Your Rental Properties with GrayStone

As a property owner, you will have to pay the repair/replacement costs, medical bills and legal expenses if:

Your property is damaged by fire, vandalism, fallen objects, or natural disasters
If a tenant or visitor gets injured due to your negligence or other hazards (say, a leaking roof for example)

Moreover, an uninhabitable property will bring in no income, further impacting your bottom line. Therefore, having custom-tailored insurance for habitational risks is the only way to cover yourself against such mishaps while protecting your rental property.

Coverages Offered Under Our Habitational Insurance

General Liability
Covers the cost of visitors' or tenants' property damage or bodily injury that occurs on your property, including libel or slander charges
Vandalism and Theft
Protects you against loss of others' belongings (including high-value items) that are in your possession or on your premises
Loss of Income
Replaces your lost income (tennants' rent) if your property is not liveable after a covered loss
Environmental Cleanup
Covers cleanup costs and medical expenses if your tenants become ill due to pollutants (dust, smoke, mold, etc.) inside your property
Signage
Protects outdoor signs from damage caused by vandalism, theft, wind, and fire

Property Damage
Covers repair/rebuild and cleanup costs if your property is damaged or destroyed by fire, storm, and wind
Equipment Breakdown
Pays for loss or damage to equipment and appliances (HVAC units, refrigerators, etc.) caused by vandalism, theft, fire, breakdown, and storm
Water Backup and Sump Overflow
Covers water damage caused by backed-up drains, sewers, or sump pumps
Law or Ordinance
Covers the cost to repair your rented property (destroyed by a covered peril) and also upgrade it to current building codes (as per laws and ordinances)

Secure Your Habitational Properties

Whether you are the owner of an apartment, condo, or any other rented property, a customized habitational insurance policy from GrayStone Insurance Group will help protect your property against unexpected incidents and resulting liabilities.

We will help you obtain uniquely designed coverage tailored to your specific risk exposures and needs. Our team of experienced insurance professionals is committed to providing top-notch service, exceeding our clients' expectations every time.