Hedge / Appetite / Single-family & 1-4 unit landlord
● In current Hedge appetite / P&C

Single-family & 1-4 unit landlord.

Single-family & 1-4 unit landlord is in Hedge's current published wholesale appetite for licensed retail insurance brokers. 1-4 unit rental dwellings up to $1.5M TIV. Property + GL on one file, instant quote-to-bind for qualified files. Published target coverage includes Commercial Property with a published target of $1.5M TIV / loc, General Liability with a published target of $1M / $2M, and Terrorism with a published target of Optional. Hedge confirms current fit, the permitted submission route, and available terms after reviewing the account.

NAICS   531110 · 531311 · 531312
Also known as   SFR, single family rental, 1-4 unit rental, duplex, triplex, fourplex, rental dwelling
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Coverage

Published target coverage.

These are starting-point lines and limits for a single-family & 1-4 unit landlord submission. Hedge confirms current fit, route, and available terms after account review.

Commercial Property $1.5M TIV / loc Commercial Property wholesale → General Liability $1M / $2M General Liability wholesale → Terrorism Optional Terrorism wholesale → Water Backup & Sump Overflow Optional Water Backup & Sump Overflow wholesale →
Class details

Review coverage and submission requirements.

Choose a coverage guide for line-specific details or open the submission guide for the first-packet checklist.

$1.5M TIV / loc Commercial Property for single-family & 1-4 unit landlord Coverage context, underwriting facts, forms, and preparation guidance. $1M / $2M General Liability for single-family & 1-4 unit landlord Coverage context, underwriting facts, forms, and preparation guidance.
Submission preparation
What to submit for single-family & 1-4 unit landlord
Open class checklist →
Sweet spot

Stronger starting profile.

This profile is the strongest starting point. Hedge confirms current market fit and route after reviewing the account.

01 1-4 unit SFR, duplex, triplex, fourplex
02 Frame through fire-resistive construction
03 Protection Class 1-7
04 Tenant-occupied 12+ months
05 Maintained roof under 20 years old
Submission

What we need for placement review.

Including these items reduces back-and-forth. Additional underwriting information may be required.

  • 015-year loss runs (property + GL)
  • 02Roof age and last replacement date
  • 03Plumbing material and last update
  • 04Electrical update history (no knob-and-tube / aluminum)
  • 05Occupancy status (tenant-occupied 12+ months)
  • 06ITV worksheet
  • 07Deductible preference ($2,500 / $5,000 / $10,000)
State nuance

State-specific differences.

For these states, the verdict, the limits, or the subjectivities shift. Open the state page for the full picture.

Single-family & 1-4 unit landlord in Alabama
AL · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in Alaska
AK · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in California
CA · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in Delaware
DE · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in Florida
FL · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in Hawaii
HI · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in Idaho
ID · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in Indiana
IN · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in Iowa
IA · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in Kansas
KS · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in Kentucky
KY · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in Louisiana
LA · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in Maine
ME · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in Minnesota
MN · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in Mississippi
MS · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in Montana
MT · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in Nebraska
NE · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in New Hampshire
NH · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in New Mexico
NM · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in North Dakota
ND · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in Rhode Island
RI · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in South Dakota
SD · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in Utah
UT · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in Vermont
VT · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in Washington
WA · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in West Virginia
WV · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Single-family & 1-4 unit landlord in Wyoming
WY · Outside current Hedge appetite
Not currently in carrier footprint for 1-4 unit SFR landlord.
Related

Related classes.

Often relevant to a submission in this class.

P&C Apartment buildings & multi-family P&C Auto repair shops P&C Churches & religious institutions P&C Course of construction
FAQ

Common questions.

Does Hedge write single-family & 1-4 unit landlord?

Single-family & 1-4 unit landlord is in Hedge's current published appetite. 1-4 unit rental dwellings up to $1.5M TIV. Property + GL on one file, instant quote-to-bind for qualified files. Hedge confirms current market fit and route after reviewing the account.

What does Hedge need to quote single-family & 1-4 unit landlord?

5-year loss runs (property + GL); Roof age and last replacement date; Plumbing material and last update; Electrical update history (no knob-and-tube / aluminum); plus 3 more standard items. These items support placement review, but an underwriter may request more.

What limits and lines does Hedge offer on single-family & 1-4 unit landlord?

Commercial Property target up to $1.5M TIV / loc; General Liability target up to $1M / $2M; Terrorism target up to Optional; Water Backup & Sump Overflow target up to Optional. These are published targets, not promised terms. Available limits are confirmed after account and market review.

Does Hedge write SFR?

SFR is one way brokers describe single-family & 1-4 unit landlord. It maps to the same published Single-family & 1-4 unit landlord appetite, target lines, and submission guidance listed above. Current fit and route still require account review.

Public appetite is directional and may change. It is not a quote, binder, coverage commitment, or confirmation of access to any named market. Hedge confirms current fit, route, and authority after reviewing the account.

· LAST REVIEWED   2026-08-24    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671