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Habitational Program.  

Our exclusive habitational insurance program was designed specifically for the property manager in mind, with enhanced coverage and benefits brought to you exclusively by Toto Group, LLC. our program has been tailored to meet your every need.

Targeted Business Class

  • High – Rise Tower Complexes
  • Garden Style Apartments
  • Co-Op (s)


Program Highlights

  • Actual Replacement Cost on Property
  • Rated on a Business Owners Package with 0% Coinsurance Penalty (must qualify)
  • Loss of Rental Income Protection
  • Building / Town  Ordinance
  • Flood / Earthquake
  • Equipment Breakdown
  • Enhanced High-Limit General Liability / Property Coverage
  • Hired and Non Owned Auto
  • 24 – Hour Concierge Claim Service

Request A Quote For Our Habitational Program

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  575 Milltown Road | North Brunswick, NJ 08092
PH: (732) 253-8181


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