Affordable Solutions. For Public Housing.

We are the member-owned risk-sharing pool that delivers low-cost property and liability insurance and risk management solutions for housing authorities and affordable housing providers across the West.

Housing Authorities Risk Retention Pool (HARRP)

Since 1987, we have worked with public housing authorities to pool risk and offer innovative management solutions with great value. We saw the disruption caused by risks and instability that drove commercial insurers out of business. In contrast to this volatility, our average annual cost increases have been less than 13% since 2010. In changing environments, risk pooling is a vital strategy by providing predictable options for PHAs.

Equipping Public Housing Authorities:

Affordable Housing Risk Pool (AHRP)

Affordable housing providers have choices in obtaining insurance. AHRP provides a smart alternative to the commercial markets offering better stability, service and pricing. So whether you’re a tax-credit partnership, a non-profit housing organization, or a housing authority transitioning to non-governmental funding, our solutions are designed and tailored to meet the unique needs of affordable housing providers.

Empowering Affordable Housing Providers:

We're Taking a Short Pause

On Friday, March 21, 2025, our office will be closed for system maintenance and staff training. We appreciate your patience and understanding as we take this time to improve. We’ll be back to serve you as usual on Monday, March 24. See you then!