Real carrier recommendations from independent insurance agents who have successfully placed assisted living facilities, group homes, and residential care.
Finding the right carrier for assisted living facilities, group homes, and residential care is one of the most common challenges independent insurance agents face. Based on 72 real placement discussions from working agents, this guide summarizes which carriers are writing this class of business, what underwriting hurdles to expect, and which states have the most active markets.
Abuse and molestation exposure, medication management liability, regulatory compliance, and high-severity claims make this class extremely difficult to place. Many carriers have exited entirely, leaving agents dependent on E&S markets.
The carrier recommendations below aren't theoretical — they come from agents who have actually bound coverage for assisted living facilities, group homes, and residential care. The most frequently mentioned carriers are Hartford, CNA, Progressive, Safeco, Travelers. Scroll down for the full list, state-by-state breakdowns, and detailed agent discussions.
These carriers are most frequently recommended by agents for placing assisted living facilities, group homes, and residential care. Rankings are based on how often agents mention each carrier in successful placement discussions.
Our analysis of 72 placement discussions reveals patterns that can help agents place assisted living facilities, group homes, and residential care more efficiently:
Data sourced from 72 verified agent discussions. Updated daily as new discussions are captured.
This matrix shows which carriers have been recommended by agents for assisted living facilities, group homes, and residential care in specific states. Data is based on 72 real placement discussions — a ✓ means at least one agent has reported placing this risk with that carrier in that state.
| Carrier | OH | IN | IL | TX | GA | FL | OR | SC |
|---|---|---|---|---|---|---|---|---|
| Hartford | ✓ | ✓ | ✓ | — | — | — | — | — |
| Progressive | ✓ | ✓ | ✓ | ✓ | — | — | — | — |
| Safeco | ✓ | ✓ | ✓ | — | — | — | — | — |
| Travelers | ✓ | ✓ | ✓ | — | — | — | — | — |
| Erie | ✓ | ✓ | ✓ | — | — | — | — | — |
| USLI | — | — | — | ✓ | — | ✓ | — | ✓ |
| National General | ✓ | ✓ | ✓ | — | — | — | — | — |
| Allstate | — | — | — | — | — | — | ✓ | — |
| Hiscox | — | — | — | — | ✓ | — | — | — |
Based on 72 agent discussions. Carrier availability may vary — always verify with the carrier or your wholesaler. Last updated: June 02, 2026.
Agents in these states have shared placement experiences for assisted living facilities, group homes, and residential care.
Real conversations from independent insurance agents about placing assisted living facilities, group homes, and residential care. Each discussion includes the original question and agent replies with carrier suggestions.
Browse state-specific carrier recommendations and agent discussions for assisted living facilities, group homes, and residential care.
Based on 72 agent discussions, the most frequently recommended carriers for assisted living facilities, group homes, and residential care include Hartford, CNA, Progressive, Safeco, Travelers. Carrier availability varies by state and specific risk characteristics. Surplus lines markets may offer additional options when admitted carriers decline.
Abuse and molestation exposure, medication management liability, regulatory compliance, and high-severity claims make this class extremely difficult to place. Many carriers have exited entirely, leaving agents dependent on E&S markets.
The states with the most agent discussions about placing assisted living facilities, group homes, and residential care are Ohio, Virginia, Arizona, California, Indiana. Coverage availability and pricing can vary significantly by state due to regulatory differences and local market competition.
Start by contacting the carriers most frequently recommended by agents: Hartford, CNA, Progressive, Safeco, Travelers. Many agents also report success through wholesale brokers and MGAs who specialize in this class. The 72 discussions on this page include specific agent experiences with quoting and binding coverage.
It depends on the state and specific risk details. Some admitted carriers do write assisted living facilities, group homes, and residential care, but many agents report needing to access surplus lines or specialty markets. States like Ohio, Virginia, Arizona tend to have more carrier options based on agent discussions.
Typical coverage needs include general liability, property, and often workers compensation. Depending on the specific operation, agents also discuss commercial auto, professional liability, inland marine, and umbrella coverage for assisted living facilities, group homes, and residential care. Review the agent discussions below for specific coverage recommendations.
The carrier recommendations on this page come from 72 real discussions between independent insurance agents with 25 agent replies. Every data point originates from a verified agent community — not marketing materials, carrier websites, or AI-generated content. Data is captured daily and this page was last updated on June 02, 2026. Read our full methodology.