Habitational Insurance

Owners of commercial residential properties face significant risks to their investments, and habitational insurance is an important way to help mitigate risks and protect assets. The agents at The Phoenix Company can recommend habitational insurance plans to the needs of North Carolina property owners.

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Does my business need habitational insurance?

Habitational risk insurance is recommended for individuals or businesses that own condominium complexes, apartment buildings, and multi-unit dwellings. Habitational insurance protects not only your property but any personal property that may be inside.

What is habitational insurance?

Habitational insurance (or habitational risk insurance) is a policy that combines several types of insurance to cover liability and damage to commercial rental properties—and the property and people in them. Habitational insurance policies are comprehensive plans that often include:

  • Homeowners' insurance for commercial properties
  • Business Insurance
  • General liability insurance
  • Environmental impairment liability (such as damage from wind, hail, and water)
  • Business income interruption / rental income loss insurance
  • Equipment insurance
  • Directors and Officers Insurance (D&O insurance) for condominium boards
  • Outdoor sign protection
  • Glass coverage
  • And more...

Owners of commercial residential or rental properties should speak with an agent familiar with habitational insurance to combine policies and provide the right type of coverage for their properties. The Phoenix Company has been helping businesses in North Carolina since 1932, and we’d be happy to provide recommendations and quotes for an insurance plan to cover your commercial assets.

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You may also call (336)765-9332 to speak to an agent. Requesting a quote is not a guarantee of coverage. All coverages are subject to the terms, conditions, and exclusions of the actual policy issues. Not all policies or coverages are available in every state. 

In an era where exceptional one-to-one customer service excellence has virtually disappeared, the work that Sandy Nicholson Oast, claims coordinator, did should be held as an example for others to try to emulate. Her professional attitude and demeanor were certainly refreshing during this stressful time. I am sure she is a great asset to your organization, and this is one of the main reasons we have remain a loyal customer of The Phoenix Company for over 30 years.

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Local Agent. National Support.

Correll Insurance Group offers the best of both worlds—you get to use a local, independent agent who lives in your town and knows you personally, but this agent is backed by a strong, national firm that’s been serving the Carolinas for more than 90 years. So you don’t have to choose between having a personal relationship with your agent and knowing your insurance has enough resources. You’ll get both with Correll.


The Phoenix Company is a member of Correll Insurance Group and works to bring you coverage that best fits your needs.  Visit our corporate site to learn more.

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