Apartment House

Move in on new business with this program designed to cover apartment buildings or complexes with five or more units, apartment hotels and boarding or rooming houses.

Contact your Underwriter at Sovereign or info@sovereignins.com or 800-843-0843

About Our Agency

Sovereign serves insurance professionals in New York, New Jersey, Pennsylvania & Massachusetts. All programs are not available in all states.

Underwriting Rules


  • Swimming pools must be fenced with a self-latching gate (Contact your underwriter for additional guidelines)

Prohibited Business

All Lines:

  • Any risk with a mold loss for which proof cannot be obtained that 100% remediation has occurred

Liability & Excess:

  • Assisted living facilities
  • Construction or remodeling operations for conversion to condominiums or townhouses
  • Nursing/convalescent homes
  • Unfenced pools and pools without self-latching gates
  • Swimming pools, wading pools, hot tubs and spas not in compliance with the federal Virginia Graeme Baker Pool and Spa Safety Act.

Effective Date: 06/29/2018