Single-family & 1-4 unit landlord · Yes · Hedge E&S
Hedge / Appetite / Single-family & 1-4 unit landlord
● Actively writing / P&C

Single-family & 1-4 unit landlord.

1-4 unit rental dwellings up to $1.5M TIV. Property + GL on one file, instant quote-to-bind for qualified files.

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

What we'd quote.

Standard limits on a clean single-family & 1-4 unit landlord submission. Excess towers structured on request.

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 →
Sweet spot

Where this fits cleanly.

When the file matches this profile we quote without referral.

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'll need to bind.

Pull these together with the file and we quote in hours.

  • 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

Where the answer changes by state.

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

Adjacent 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?

Yes. Single-family & 1-4 unit landlord is in appetite. 1-4 unit rental dwellings up to $1.5M TIV. Property + GL on one file, instant quote-to-bind for qualified files. First response inside 30 minutes during business hours.

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. Pulling these together with the file gets you to a quote in hours.

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

Commercial Property to $1.5M TIV / loc; General Liability to $1M / $2M; Terrorism to Optional; Water Backup & Sump Overflow to Optional. Excess towers are structured on request.

Does Hedge write SFR?

SFR is one of the ways brokers describe single-family & 1-4 unit landlord, and yes, we handle it under our Single-family & 1-4 unit landlord appetite. Same lines, same limits, same subjectivities as listed above.

· LAST REVIEWED   2026-05-29    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671