Colsa Advantage, Beyond Insurance

Our agency specializes in tailored insurance solutions for habitational properties, offering comprehensive coverage to protect your buildings, tenants, and assets. With personalized service, industry expertise, and a commitment to fast claims processing, we ensure you get the right protection while keeping costs affordable. We're dedicated to safeguarding your properties and helping your business thrive in the habitational sector.
Product Contact
281-815-2003
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Habitational programs:

  • Affordable Housing
  • Apartments
  • Condominium Association
  • Condominiums
  • Cooperatives
  • Homeowners Associations and PUD
  • Lessors Risk Only - Office
  • Lessors Risk Only - Other classes can be considered​
  • Lessors Risk Only - Retail
  • Lessors Risk Only - Retail with Apartment
  • Lessors Risk Only - Shopping Center
  • Low Income Housing
  • Mobile Home Park Owners
  • Nursing Homes (Property and Auto Only)
  • Resorts & Lodges​​

​We offer comprehensive insurance packages specifically designed to meet the unique needs of the Habitational Industry. Special features and coverages including, but not limited to:

General Liability​
  • Comprehensive General Liability - limits up to $1M each occurrence / $3M aggregate
  • Liability for common areas including swimming pools, tennis courts, lakes, playground equipment, etc.
  • Condominium Unit Owners as Additional Insureds
  • Employee Benefits Liability available
  • Property Manager included as an additional insured
  • Real Estate Property Managers included as additional insureds
  • Property Management Company included as additional insured
  • Association Members included as additional insureds
  • Special Events Coverage available for large community events
​Property
  • Blanket Limits with large capacity
  • Special Causes of loss coverage on buildings, contents, business income, and extra expense
  • Definition of Building to include pools, walkways, and fences
  • Coverage for Loss or Rental Spaces Income due to Direct Physical Loss of a Non-Owned Mobile Home
  • Backup of Sewers and Drains
  • Ordinance or Law, Demolition, and Increased Cost of Construction coverage included - $250,000 (higher limits available for certain programs)
  • Business Income Coverage - Actual Loss Sustained
  • Multiple Valuation Options available (Guaranteed Replacement Cost, Extended Replacement Cost, Agreed Amount)
  • Unit Owners Improvements if required by the association documents
  • Pollutant Clean-Up and Removal
  • Electronic Data Processing (EDP) Equipment and Media
  • Boiler and Machinery coverage available
  • Landscape Coverage including Vandalism
  • Outdoor Property including tress, shrubs, and fences
  • Debris Removal - "Abandoned Mobile Home"
  • Earthquake and Flood coverage available
Automobile
  • Owned / Non-Owned / Hired Auto
  • Garakeepers Legal Liability available
  • Owned Autos: Commercial Vehicles, Service Vehicles, Pick-Up Trucks, Vans and Buses used to transport guests
  • Seasonal Coverage: Company will process endorsements to add and remove coverage or vehicles based on seasonal use
  • Web-Based Auto ID card issuance
Umbrella / Excess Liability
  • Large Excess Limits available
  • Some Eligible Classes Limits available up to $100M
Crime and Fidelity
  • Employee Dishonesty
  • Forgery or Alteration limits available up to $1M
  • Money and Securities
  • Theft, Disappearance, and Destruction
  • Real Estate Manager Coverage available
  • Computer Fraud​
  • Guest Property
  • For Certain Classes the Primary & Excess Fidelity / Crime Coverage available to $10MM (higher limits upon request)
Inland Marine
  • Equipment, tools, saddles and tack, guns, small boats, ATVs, golf carts, bicycles, snowmobiles, sleights,
  • Fine Arts
  • Electronic Data Processing
Liquor Liability
  • Limits to $1M / $1M (in most states)​ ​​

Additional Coverages and Limits:

  • Directors & Officers
  • Employment Practices Liability Insurance
  • Abuse or Molestation
  • Excess
  • Excess D&O or Umbrella Coverage available
  • ​​Workers Compensation
  • Cyber Liability
  • Personal Liability Endorsement for Resident Owners
  • Hunting and Fishing Guides as additional insureds
  • Watercraft Liability
  • Dogs in the Insured's Care, Custody, or Control
  • Marina Operators Legal Liability
  • Blanket Limits
  • Additional Covered Property
  • Golf Course Property Endorsement
  • Bridges for Pedestrians
Coverage(s) described may not be available in all states / areas and are subject to Underwriting. Coverage(s) descriptions are abbreviated and are subject to policy terms, conditions, limitations, and exclusions. If there is any conflict between the coverage(s) descriptions within this page / website and the actual insurance policy, the policy provisions will prevail.  Certain coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds.