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Public and Affordable Housing Research Corporation, also know as PAHRC®, is the research division of HAI Group®. HAI Group® is the registered trademark for the property-casualty insurance operations of Housing Authority Risk Retention Group (HARRG) and Housing Authority Property Insurance (HAPI). All HAI Group products and services are written or provided by subsidiaries or affiliates of HARRG and HAPI. HAI Group products or services may not be available in all jurisdictions. Certain property and casualty coverage may be provided by a risk retention group or a surplus lines insurer or by a third party. Risk retention groups and surplus lines insurers do not participate in state guaranty funds and their insureds are not protected by such funds. For a complete listing of HAI Group companies, visit this page.