Coverage Built for the Realities of Recovery Housing
At Nucleus Insurance,You’re running a home, not just a property. Nucleus specializes in insurance for sober living homes, transitional housing, and recovery residences — coverage that accounts for the people, the supervision, and the responsibility involved, not just the building.
All Inclusive Coverage Options
Errors & Omissions
NEW 2026Errors & Omissions up to $1 M
Sexual Abuse & Molestation
NEW 2026Sexual Abuse & Molestationup to $1 M
Price-Beat Promise
We beat any non-program quote or pay $250 toward renewal
General Liability
Protects your facility against claims of bodily injury or property damage from third parties.
Professional Liability (E&O)
Covers errors or omissions in the delivery of professional services.
Workers’ Compensation
Mandatory coverage that protects employees injured on the job.
Employment Practices Liability Insurance (EPLI)
Covers claims of discrimination, wrongful termination, and harassment.
Abuse & Molestation Coverage
$100K/$300K limits included at no cost (subject to underwriting).
Property Coverage
Covers buildings, contents, and equipment from damage, theft, and disasters.
Ready for a Fresh Start savings check?
Get a coverage review built for how your home actually operates.
Why a Standard Homeowners or Rental Policy Isn't Enough.
Standard Policies Fall Short
Supervision Disputes
Standard policies often lack coverage for claims regarding the level of resident supervision provided by your staff.
Abuse & Molestation
This is a standard exclusion in generic policies but is vital protection for any facility housing multiple residents.
What Insurance Do Sober Living Homes Need?
Running a sober living home means more than providing a safe place to stay.
What Sober Living Homes Need Covered
Coverage for medical expenses and liability arising from accidents involving residents on the premises.
Supervision Liability
Protection against claims of negligent supervision or failure to monitor resident protocols.
Abuse & Molestation
Specific coverage for defense and damages related to allegations of misconduct within the home.
Property Coverage
The core foundation covering standard slip-and-falls and operations-related lawsuits.
Common Coverage Mistakes We See
Avoid Common Mistakes
Standard Rental Assumptions
Assuming a standard dwelling fire policy covers business activities like recovery meetings or onsite management.
Excluded Abuse Coverage
Finding out only after a claim that abuse and molestation coverage was never actually added to the policy.
Low Liability Limits
Carrying standard $1M limits when the high-risk nature of sober living often demands $3M-$5M in aggregate protection.
Coverage That Understands What Your Home Is Really Protecting
We’re developing a comprehensive program that includes
Coverage built for sober living
Policies shaped around how a recovery home actually operates, not a generic package stretched to fit.
Risk guidance you can call on
Straightforward advice from people who understand recovery housing, so small issues get caught before they become costly ones.
A trusted network, ready when you need it
Priority introductions to vetted handyman, HVAC, and cleaning teams, so your home stays safe and well kept.
You’ve built a home where people can rebuild their lives. We’re building an insurance program around that same purpose, so you spend less time worrying about coverage gaps and more time on the residents who depend on you.
Sign up now and we’ll keep you posted as the program takes shape, with priority access as soon as it’s ready. We’re glad to be building this with you.
Think you're paying too much for coverage? Let's find out.
Guaranteed to beat your current price
Send us a copy of your current declarations page and we’ll compare it against what you have today. In most cases, we can offer better coverage for less. If we can’t, we’ll tell you straight and help you find a plan that fits your budget.
How it works
Step 1
Send your declarations page
Share the page showing your current coverage and premium, so we can compare apples to apples
Step 2
Get a real comparison
We review your policy and put together a quote with equal or better coverage.
Step 3
We find the right fit
If we can’t beat your premium, we’ll work with you to shape a policy that fits your budget.
A few things to know:
- Price comparisons apply to policies with similar coverage limits and terms.
- All quotes are subject to underwriting approval based on your risk profile.
- Submitting your declarations page means you’re giving us permission to use it for pricing and quote purposes only.
Stop overpaying. Send your declarations page and see what we can do.
Apply Today
How We Help
How Nucleus Helps
We start by getting to know your home, not just your paperwork. Before we recommend a policy, we look at your census, your day-to-day operations, and what actually keeps your house running. Every recommendation comes from an agent who has worked with recovery housing before, not a generic quote engine.
- The best rate we can offer, guaranteed
- Approvals in about 48 hours, not weeks
- A dedicated agent who understands recovery housing
Average turnaround from submitted census to approved coverage.
Foundations of Stability
Lowering Risk and Cost
Operational excellence is the bridge between risk reduction and financial sustainability. We help you build that bridge, one practical step at a time.
Risk Reduction, Real Savings
Proactive safety measures do more than protect your residents. A well-staffed home gives us real leverage to negotiate a better premium with carriers who understand recovery housing.
- Staffing ratio reviews
- Premium negotiation support
Systems You Can Stand On
Clear records protect you when it matters most. We help you put reliable incident reports and resident agreements in place, before you ever need them.
- Incident documentation
- Resident agreement templates
A Home Built to Last
Staying ahead of property upkeep protects your residents and keeps your coverage in good standing. We’re here with practical guidance, not just a policy.
- Property upkeep guidance
- A dedicated agent who knows recovery housing
Frequently Asked Questions
Sober Living Homes
1. What is Sober Living Homes Insurance?
It’s specialized coverage designed to protect sober living and recovery residences from risks like property damage, liability claims, and resident-related incidents.
2. Why do Sober Living Homes need special insurance?
Standard landlord or business policies don’t cover the unique risks of sober living operations. Our program ensures you’re protected where general policies fall short.
3. Can Nucleus Insurance really lower my current premium?
Yes. Through our Guaranteed to beat your current price, we review your current policy and work to offer the best rate on equal or better coverage.
4. What types of coverage are included?
We offer general liability, property, E&O (professional liability), and abuse/molestation coverage — all tailored for sober living environments.
5. Do you work with all types of sober living facilities?
Absolutely. Whether you manage a single home or multiple recovery residences, we’ll tailor coverage to your size and needs.
Our Mission is to Protectyour
Businesses,Life and
Much More.
Recovery Homes Protected
Years of Insurance Expertise
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Claim Satisfaction Rate
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