Homes we insure
Sober living homes, halfway houses and recovery residences
Different operators use different words for the same model, and some use the same word for very different models. What decides the insurance is how the home actually runs, not what it is called.
Recovery happens in community
The homes we insure vary in size, staffing and services, but they share one thing: a residence run with structure, accountability and a defined recovery purpose.
01
Sober living and recovery residences
Structured, substance-free group homes supporting residents as they move from treatment toward independent living. Most have house rules, curfews, required meetings and some form of peer accountability, and many have a live-in house manager. This is the core of what we place, and the exposures are usually a mix of premises liability, the property itself, the guidance the operator provides, and staff.
The common thread is a shared residence operated with structure, accountability and a defined recovery purpose.
02
Halfway houses
Plenty of operators, referral sources and families use “halfway house” and “sober living” interchangeably, and if that is how you describe your home we know what you mean. It is worth knowing that in some jurisdictions the term specifically means re-entry housing for people leaving incarceration, often with court or probation involvement. That difference matters to underwriters: a home taking court-referred residents is looked at differently from one taking voluntary referrals out of treatment, and the markets available may not be the same. Tell us which you are and we will approach it accordingly — neither answer is a problem, but guessing on the application is.
03
Transitional and supportive housing
Residential programs providing stability, structure and support during a major life transition, including some sober-living-adjacent models that do not describe themselves in recovery terms at all. Length of stay, staffing levels, whether any services are delivered on site, and who holds the lease all shape how the risk is presented.
04
Related behavioral health operations
Depending on services, licensing and location, options may be available for outpatient programs, intensive outpatient, life-skills and vocational programs, and other recovery-oriented organizations. The further an operation moves toward delivering clinical treatment, the more the submission looks like a healthcare risk than a housing one, and the more the professional liability side of the program matters.
Frequently asked
Questions about what we cover
Is a halfway house the same as a sober living home?
In everyday use, often yes — many operators and families use the terms interchangeably for structured, substance-free group housing. Formally they can differ: “halfway house” is used in some places specifically for re-entry housing after incarceration, frequently with court or probation involvement, while sober living is usually voluntary and follows treatment. For insurance the label matters less than the facts: who lives there, who referred them, who is on staff, and what the operation provides.
Do you insure homes that accept court-referred residents?
Sometimes. It depends on the proportion of the house, the referral source, the level of supervision and the state. Court-involved and re-entry populations are underwritten differently and fewer markets will look at them, so it is worth disclosing early rather than at bind. Describing it accurately usually produces more options than leaving it out, because a discovered misstatement can affect the policy itself.
What if our home is unlicensed?
Most sober living homes are not licensed, because in many states no licence exists for housing that provides no clinical treatment. That is normal and not by itself an obstacle. What underwriters want to understand is where the line sits between housing and treatment in your operation, and whether anything you provide would require a licence you do not hold.
No existing policy needed
Tell us how your sober living home actually operates.
Most operators who contact us are insuring a sober living home for the first time. Tell us how the home runs and we’ll come back with the coverage options and pricing available for it.