Sober Living Insurance

[Chris Storck]

Good morning. 

To those that have sober living homes.  What carriers/insurance providers are you using? 

I am in the process of purchasing a sober living house but am having trouble finding an insurer that will write a policy on the house since it is being used for sober living.  I have tried Steadily and NREIG. 

Thanks for any info!

[Andrew Lamb]

Got it. What I meant was the levels according to the National Alliance of Recovery Residences (NARR). There are 4 of them. I own & operate 15 sober living homes in California that are level 3 / type S.

Oxford house would be level 1 / peer-run.

I ask because sober living is such a broad term, and your insurance is going to depend on your level of staffing, licensing, etc. At level 1, I'd say you really only need a landlord policy for the home, a commercial general liability policy for the biz, and an umbrella policy that covers you and the biz. You're just housing people, not doing treatment or using staff on site, so that's why I say just a landlord policy for the house. Pretty much treating it like co-living.