Real Estate Investor Insurance

Core coverages in this program

• •Landlord / Dwelling Fire Property (DP-3)
• •Builder's Risk & Renovation Coverage
• •Vacant Property Coverage
• •General Liability / Premises Liability
• •Commercial Umbrella
• •Loss of Rents / Business Income

Occupancy drives the policy form

Standard homeowners and even many landlord policies contain a vacancy clause that suspends key perils — often vandalism, water damage, and theft — after 30 or 60 days without a tenant. A rehab in progress usually needs builder's risk instead. Short-term rentals need explicit business-use acceptance. The claim denial almost always traces to a form that never matched how the property was being used.

Builder's risk for flips

Builder's risk covers the structure and materials during renovation, including materials in transit and stored on site, and can add soft costs such as loan interest and permit fees if a loss delays completion. Write the limit at completed value, not purchase price, and match the policy term to a realistic schedule — extensions after expiration are far more expensive than a longer initial term.

What investor coverage costs

Rates vary widely by state, construction, roof age, and protection class. These ranges reflect typical single-family investment properties in a standard market.

LLCs, lenders, and named insureds

If the deed is in an LLC but the policy names you personally, a claim can be denied for lack of insurable interest. Every entity holding title should appear as a named insured, and the lender needs mortgagee clause and evidence of insurance before closing. When you hold properties across several LLCs, a commercial package with a schedule of locations is usually cheaper and cleaner than a stack of individual dwelling policies.