Business insurance
Landlord & Real Estate Investor Insurance
Dwelling, liability and loss-of-rent coverage for single-family rentals, small multifamily, short-term rentals and LLC-owned portfolios.
Why it's different
Coverage built for how real estate investors & landlords actually work
A homeowners policy isn't designed for a property you rent out. Landlords need dwelling coverage for the building, liability for tenants and guests, and protection for the rental income that pays the mortgage. Our CEO's real estate background helps us structure coverage for single properties and growing portfolios alike.
- Wrong policy formA homeowners policy on a rental can leave claims uncovered. Rentals belong on a dwelling or landlord form.
- Loss of rentsIf a hurricane makes a unit uninhabitable, the rent stops but the mortgage doesn't. Fair rental value coverage fills the gap.
- VacancyMany policies restrict coverage after a property sits vacant for a period of time. Tell us before a unit goes empty.
- Short-term rentalsAirbnb and VRBO use typically needs specific coverage. Platform protections are not a substitute for your own policy.
Coverage
What a typical program includes
Every business is different. We start here, then adjust to your contracts, locations and payroll.
Dwelling / landlord policy
Building coverage for rentals (DP-3 and similar forms)
Landlord liability
For tenant and guest injuries
Loss of rents
Replaces income after a covered loss
Flood
NFIP or private flood for rental properties
Umbrella
Extra liability across your portfolio
Portfolio programs
Multiple properties on one schedule
FAQ
Real Estate Investors & Landlords insurance questions
Can my rental properties be insured in an LLC's name?
Yes. We can name the LLC as the insured and list you and your lender correctly, which matters if a claim is ever disputed.
Do I need different insurance for a short-term rental?
Usually yes. Short-term rental use creates exposures a standard landlord policy may exclude, so we place coverage written for it.
Free, no-obligation review
Get a Real Estate Investors & Landlords insurance review
Send your current policies and any contract insurance requirements. We'll compare carriers and show you gaps before your next renewal.