Save money on insurance

The Fire and Liability Insurance Plan (FLIP) is dedicated to negotiating and obtaining the most competitive insurance rates for HDFCs. This successful program has been running for more than 25 years, and currently insures over 530 buildings.

Become a Member of UHAB

Get access to cost-saving programs like FLIP with UHAB membership.
UHAB Membership for HDFCs →


FLIP policy is written on an Agreed Amount & Replacement Cost basis.

Fire coverage includes:

  • Building property
  • Backup of sewers
  • Flood and earthquake
  • Ordinance or law
  • Loss of business income
  • Office contents

General liability coverage includes:

  • Lead paint liability, terrorism, mold, fungus and spores
  • Protection against most third party liability claims
  • Non-owned auto

Flexible premium payments:

The Annual Insurance Premium may be paid in full to the insurance broker or paid in 9 monthly installments financed through Premium Finance Specialists. Your broker will set this up for you.


To qualify for a FLIP subscription, an HDFC must:

  • provide prior loss history (please request a Loss Run from your current insurance carrier)
  • remove old violations
  • pass an inspection


UHAB will assist HDFCs through the application process.

To request an insurance quote, and to find out how FLIP prices compare to your current policy, contact Caleb at 212-479-3346 or


If your HDFC is considering joining or switching to FLIP, be sure to check the expiration date of your current insurance coverage.  Do not let your current coverage lapse.

FLIP is a program administered by the Urban Homesteading Assistance Board for the benefit of UHAB members and is brokered by Arthur J. Gallagher, Inc.