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REO insurance

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Zurich provides hazard insurance/optional liability coverage for residential and commercial REO properties with coverages, limits and deductibles customized for each client. Eligible risks include mortgage servicers, banks, credit unions and LLCs. Condemned properties are not eligible.


  • Entities that service mortgages
  • Mortgage servicers
  • Banks
  • Credit unions
  • Private equity
  • LLC’s

Ineligible risks:

  • Condemned properties
  • Properties located outside the U. S.


  • Nationwide and U.S. territories

Submission requirements:

Completed application and portfolio listing including:  

  • Borrower name, address, loan number, coverage type and last known coverage amount or insured value
  • Include listing of current insured locations with address and values

Coverages offered:

Hazard insurance/optional liability coverage REO properties (REO guard)

  • Coverages, limits and deductibles customized for each client
  • Premise liability available on a pick and choose basis
  • Monthly billing options for maximum cash flow
  • Replacement cost coverage with no requirement to repair
  • Proprietary web-based applications for ease of reporting
  • Expedient claims settlement
  • Master policy program with no individual property underwriting

Coverage limits:

  • $500K-$10 Million ($5M residential/$10M commercial)

Admitted or non-admitted paper:  

  • Non-Admitted

Additional program highlights:

  • Internet reporting for easy coverage placement
  • Proprietary software for tracking and billings