Residential

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Protecting your property & tenants

As an owner, developer, or manager of residential or habitational real estate, you want to protect your property and tenants. Not only is it important to create and maintain a safe physical environment, but it’s also critical that your business is positioned for future growth while successfully navigating the ever-changing dynamics of the current industry — such as local and regional regulations, compliance requirements & inspections, and natural disasters. You want to be prepared for, and proactively mitigate, the exposures and challenges this industry faces including:

  • Tenant Discrimination
  • Building Valuation / Replacement Cost
  • Risk Transfer, including New York Labor Laws
  • Environmental, Social, and Governance issues
  • Complex Claims

A specialist approach to risk

At Risk Strategies, our residential real estate specialists are well-versed in the industry’s challenges and know how to navigate them to maximize your growth potential. We provide an analytical, consultative approach to risk management designed to proactively reduce risk, improve program efficiency, and minimize costs in all segments of residential real estate including:

  • Multi-Family / Apartment Buildings
  • Subsidized Housing
  • Student Housing
  • Assisted Living Facilities
  • Master Plan Single Family / Build to Rent (BTR)
  • Manufactured Housing / Mobile Home Parks (MHPs)

Risk Strategies Real Estate team members are spread out coast to coast and collaborate to protect you from exposures that impact your part of the country such as hurricanes, wildfires, extreme weather, flooding, and tornadoes.

Key coverages

As a Risk Strategies client, you have access to the industry’s leading markets and key residential real estate insurance coverages including:

  • Blanket Property Limit
    • Real property, personal property, rental income & business income, machinery and equipment
  • Higher CAT Limits – earthquake, windstorm, flood (including storm surge)
  • Replacement Cost
  • Error & Omissions
  • Builders Risk (exposure included)
  • Integrated Pollution Coverage (legionella and mold exposures covered)
  • Environmental Liability
  • Umbrella / Excess Liability
  • Alternative Solutions, including captives

Industry Experts

Spencer Macalaster
Spencer Macalaster

Executive Vice President

Dan Cioci Jr.
Dan Cioci Jr.

Senior Vice President 

Ken Dash
Ken Dash

Managing Director

Roger Kluge
Roger Kluge
Managing Director
John Uhl
John Uhl
Executive Vice President 

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