Looking for property insurance for single family home that has 6 individual tenants

[Bryan Vukelich]

Hi,

I have clients under contract to buy and occupy a single family home on O'ahu that has six individuals living in it on a lease.  My clients keep getting rejected for property insurance as insurance companies say they will only insure if 2 or less tenants are also living in the home.  If you know of any insurance company who may offer insurance given this situation, I'd love a referral.  Many thanks 

[Doug Nordman]

Quote from @Bryan Vukelich:

If you know of any insurance company who may offer insurance given this situation, I'd love a referral.  Many thanks 

Bryan, I just finished our property insurance search for our home & rental on Central Oahu.  

Nationally there's American Modern Insurance Group in Ohio, a subsidiary of Munich Re.  Our daughter & son-in-law ended up going with them for their Mililani home, and I'm keeping an eye on them if we ever get turned down for our Waipio Gentry rental's 30-year-old cedar shake roof.  American Modern is a specialty insurance company so they do a lot of older homes and have a correspondingly high complaint ratio, but they're well-regarded among specialty companies.

Locally I also got good service (yet higher premiums) from State Farm (Susan & Kevin Ihle in Mililani) and at Atlas (Michael Ho).