Hedge/Submission requirements/Single-family & 1-4 unit landlord

Class-specific first packet

Submission requirements for Single-family & 1-4 unit landlord.

Direct answer. Start with a clear operations narrative, the requested coverage and effective date, currently valued loss runs, accurate schedules, and the 7 class-specific facts below. The current public class status is in current public appetite; Hedge still must confirm eligibility, route, and the exact market requirements.

Public class statusIn current public appetite

Target coverage guides2

Reviewed2026-08-24

Core packet

Build one internally consistent account.

Applicant information with the correct legal entities and a precise operations description
Requested lines, limits, effective date, and any contract or certificate requirements
Currently valued loss runs for the relevant entities, lines, and policy periods
Exposure schedules and supporting documents that reconcile to the application
Class-specific supplemental information and a direct explanation of difficult facts

Do not send from this checklist alone

Hedge must confirm the intended route and review the exact files. Do not send submission material to a competing wholesale intermediary or another producer.

Class facts

Answer these before market review.

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)

Stronger profile indicators

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

Coverage checklists

Prepare the facts for each requested line.

Only request coverage the insured actually needs. Open the line guide to see the class-specific published target and preparation questions.

Commercial Property / $1.5M TIV / loc

Prepare for Commercial Property

Current statement of values with construction, occupancy, protection, and exposure details; Valuation support, requested causes of loss, deductibles, and coinsurance terms; Currently valued loss runs and remediation information

Open class coverage guide →

General Liability / $1M / $2M

Prepare for Commercial General Liability

Detailed operations narrative and class splits; Revenue, payroll, subcontractor cost, and geographic breakdown; Currently valued loss runs and an explanation of material claims

Open class coverage guide →

Hedge forms

Forms that may help organize this class.

The intended market may require different or additional applications. These public Hedge forms are preparation resources, not evidence of access or authority.

Real estate

Hedge Lessors Risk Only Supplemental

A fillable Hedge supplemental for lessors risk only commercial-property accounts.

View form and fillable PDF →

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 →

State notes

Published class-specific state differences.

AL / Not currently targeted

Single-family & 1-4 unit landlord in AL

Not currently in carrier footprint for 1-4 unit SFR landlord.

Build one internally consistent account.

Answer these before market review.

Stronger profile indicators

Prepare the facts for each requested line.

Prepare for Commercial Property

Prepare for Commercial General Liability

Forms that may help organize this class.

Hedge Lessors Risk Only Supplemental

Hedge Schedule of Locations Supplement

Hedge Loss and Claims Supplement

Published class-specific state differences.

Single-family & 1-4 unit landlord in AL

Single-family & 1-4 unit landlord in AK

Single-family & 1-4 unit landlord in CA

Single-family & 1-4 unit landlord in DE

Single-family & 1-4 unit landlord in FL

Single-family & 1-4 unit landlord in HI

Single-family & 1-4 unit landlord in ID

Single-family & 1-4 unit landlord in IN

Single-family & 1-4 unit landlord in IA

Single-family & 1-4 unit landlord in KS

Single-family & 1-4 unit landlord in KY

Single-family & 1-4 unit landlord in LA

Single-family & 1-4 unit landlord in ME

Single-family & 1-4 unit landlord in MN

Single-family & 1-4 unit landlord in MS

Single-family & 1-4 unit landlord in MT

Single-family & 1-4 unit landlord in NE

Single-family & 1-4 unit landlord in NH

Single-family & 1-4 unit landlord in NM

Single-family & 1-4 unit landlord in ND

Single-family & 1-4 unit landlord in RI

Single-family & 1-4 unit landlord in SD

Single-family & 1-4 unit landlord in UT

Single-family & 1-4 unit landlord in VT

Single-family & 1-4 unit landlord in WA

Single-family & 1-4 unit landlord in WV

Single-family & 1-4 unit landlord in WY

Keep preparation, routing, and authority separate.