Real Estate Investor Insurance
Real estate investors need specialized insurance for rental properties, flips, vacant buildings, and multi-unit portfolios. Standard homeowner policies don't cover investment properties — our programs are built specifically for real estate investors.
Coverages we place
- Landlord/dwelling fire for rental properties
- General liability for tenant and visitor injuries
- Loss of rents coverage during repairs
- Vacant property coverage for flips and renovations
- Umbrella liability across your entire portfolio
- Builder's risk for major renovation projects
- Flood insurance for properties in flood zones
- Equipment breakdown for shared building systems
Who needs this coverage
Residential real estate investors, commercial property investors, house flippers, Airbnb/VRBO hosts, multi-family property owners, and real estate investment trusts (REITs).
What drives your premium
- Number and type of properties (single-family, multi-unit, commercial)
- Property locations and values
- Occupancy status (rented, vacant, under renovation)
- Claims history across your portfolio
- Whether properties are in flood or hurricane zones
Common exclusions
- Owner-occupied properties (need homeowners insurance)
- Tenant's personal property (tenant's responsibility)
- Maintenance and wear-and-tear items
- Pest infestation and bed bugs
- Environmental contamination (separate policy)
Frequently asked questions
Can I insure all my properties on one policy?
Yes. We offer portfolio/blanket policies that cover multiple properties under one policy, often at a lower cost per unit than individual policies.
Do I need insurance for vacant properties?
Yes. Standard landlord policies exclude or limit coverage for vacant properties. We provide specific vacant building coverage that protects against vandalism, fire, and liability.
Does landlord insurance cover Airbnb rentals?
Standard landlord policies may not cover short-term rentals. You'll need a commercial or hospitality policy if you regularly rent on Airbnb, VRBO, or similar platforms.
Related coverage
Get a free quote or call (321) 206-8035.