Real estate
Hedge Lessors Risk Only Supplemental
A fillable Hedge supplemental for lessors risk only commercial-property accounts.
View form and fillable PDF →Class and coverage guide
Commercial Property for Single-family & 1-4 unit landlord.
Direct answer. Commercial Property is included in Hedge's published target coverage for Single-family & 1-4 unit landlord under the line Commercial Property, with a published target of $1.5M TIV / loc. The current public class status is in current public appetite. Hedge must confirm current fit, route, and available terms after reviewing the real account.
Coverage context
What this coverage question means.
Commercial property insurance commonly addresses direct physical loss to scheduled buildings, business personal property, and related time-element interests, subject to the policy form and causes of loss. Wholesale review may be appropriate when occupancy, construction, protection, catastrophe exposure, valuation, vacancy, losses, or requested limits do not fit an admitted market.
Class context. 1-4 unit rental dwellings up to $1.5M TIV. Property + GL on one file, instant quote-to-bind for qualified files.
Terms depend on the policy and account
This page does not interpret a policy or promise coverage. Actual coverage depends on the issued forms, endorsements, exclusions, conditions, limits, and facts accepted by the insurer.
Underwriting facts
What changes the answer.
- 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)
- Occupancy status (tenant-occupied 12+ months)
- ITV worksheet
- Deductible preference ($2,500 / $5,000 / $10,000)
Conditions that need closer review
- Section 8 housing over 30% of units
- Short-vacancy under 60 days
- Wind-exposed coastal counties (variable W/H deductible)
- Short-term / vacation rentals (Airbnb, VRBO)
- Condominiums, townhomes, rowhomes
- Vacant over 60 consecutive days
- Mobile, manufactured, or modular homes
- Owner-occupied residences
- Student housing
- Barrier island locations
- Protection Class 8-10
Stronger starting profile
Controls and facts to surface.
- 1-4 unit SFR, duplex, triplex, fourplex
- Frame through fire-resistive construction
- Protection Class 1-7
- Tenant-occupied 12+ months
- Maintained roof under 20 years old
Hedge forms
Useful class-specific preparation resources.
These Hedge-owned forms may help organize the account. A form listing does not make the form mandatory for every submission and does not prove appetite or market access.
Any risk
Hedge Schedule of Locations Supplement
A fillable Hedge schedule for presenting multiple premises and location-level exposure information.
View form and fillable PDF →Any risk
Hedge Loss and Claims Supplement
A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.
View form and fillable PDF →Standard form references
Common commercial form sections to understand.
Use the edition accepted by the intended market. Hedge explains these form purposes but does not republish ACORD files in its public form library.
ACORD 125
Commercial Insurance Application Applicant Information Section
The applicant-information foundation for a commercial insurance submission. It organizes the named insured, business operations, locations, prior coverage, requested lines, and other account-level facts that line-specific sections build on.
Read form guide →ACORD 140
Property Section
The commercial property section used to describe premises, buildings, values, construction, occupancy, protection, causes of loss, deductibles, and other property-specific requests.
Read form guide →State detail
Published class-specific state notes.
AL / Not currently targeted
Single-family & 1-4 unit landlord in AL
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →AK / Not currently targeted
Single-family & 1-4 unit landlord in AK
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →CA / Not currently targeted
Single-family & 1-4 unit landlord in CA
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →DE / Not currently targeted
Single-family & 1-4 unit landlord in DE
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →FL / Not currently targeted
Single-family & 1-4 unit landlord in FL
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →HI / Not currently targeted
Single-family & 1-4 unit landlord in HI
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →ID / Not currently targeted
Single-family & 1-4 unit landlord in ID
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →IN / Not currently targeted
Single-family & 1-4 unit landlord in IN
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →IA / Not currently targeted
Single-family & 1-4 unit landlord in IA
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →KS / Not currently targeted
Single-family & 1-4 unit landlord in KS
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →KY / Not currently targeted
Single-family & 1-4 unit landlord in KY
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →LA / Not currently targeted
Single-family & 1-4 unit landlord in LA
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →ME / Not currently targeted
Single-family & 1-4 unit landlord in ME
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →MN / Not currently targeted
Single-family & 1-4 unit landlord in MN
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →MS / Not currently targeted
Single-family & 1-4 unit landlord in MS
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →MT / Not currently targeted
Single-family & 1-4 unit landlord in MT
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →NE / Not currently targeted
Single-family & 1-4 unit landlord in NE
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →NH / Not currently targeted
Single-family & 1-4 unit landlord in NH
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →NM / Not currently targeted
Single-family & 1-4 unit landlord in NM
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →ND / Not currently targeted
Single-family & 1-4 unit landlord in ND
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →RI / Not currently targeted
Single-family & 1-4 unit landlord in RI
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →SD / Not currently targeted
Single-family & 1-4 unit landlord in SD
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →UT / Not currently targeted
Single-family & 1-4 unit landlord in UT
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →VT / Not currently targeted
Single-family & 1-4 unit landlord in VT
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →WA / Not currently targeted
Single-family & 1-4 unit landlord in WA
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →WV / Not currently targeted
Single-family & 1-4 unit landlord in WV
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →WY / Not currently targeted
Single-family & 1-4 unit landlord in WY
Not currently in carrier footprint for 1-4 unit SFR landlord.
Open state appetite →Next step
Build the account before choosing a route.
Open the class submission guide for the first-packet checklist, then have Hedge review the actual account. Do not infer a carrier, route, or authorization from this public page.