Investment Property Portfolio Insurance for Real Estate

We offer a simplified approach to insuring investor property portfolios. Our investor property program offers a package policy that includes both Property and General Liability coverage.

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Insurance agents

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Appetite

This package program is ideal for mid- to large-size property managers, family offices and trusts, and individual and corporate real estate investors.

Geography

  • Nationwide

Ineligible risks

  • Structures with greater than four units per building
  • Commercial retail, manufacturing and warehouse operations
  • Any property on barrier islands, with or without wind
  • Wood shake/shingle and T-lock roofs
  • Vacation rentals (e.g., Airbnb) and home sharing
  • No Section 8, HUD, subsidized or student housing

Coverage offered

  • Property and General Liability
  • Monoline Property
  • Wind/Hail
  • Flood
  • Earthquake

  • Forms for a submission are available upon request for contact from the Program Administrator.
  • Additional information required regarding private protection, sprinklers and alarms at the locations.

  • Property: $10 million per location; higher limits available with referral.
  • General Liability: $1 million/$2 million; higher limits available with referral.
  • Minimum premium: $2,500.
  • Minimum deductible: varies.

  • Investment properties of one- to four-unit family dwellings.
  • Other operations should be incidental to each account.

  • Non-admitted

FAQs

Investment Property Portfolio Insurance from Zurich is designed to help protect real estate investors who own multiple properties under a coordinated insurance program. Coverage helps streamline protection for diverse properties while addressing property damage, liability and income related risks across a portfolio.

Zurich Investment Property Portfolio Insurance is intended for:

  • Real estate investors with multiple properties
  • Investment groups and property holding companies

This coverage helps simplify insurance management across multiple locations and property types.

Zurich portfolio programs may include a range of property types, such as:

  • Investment properties of 1-4 unit family dwellings

Eligibility depends on property characteristics, occupancy, and underwriting guidelines.

Insurance programs for real estate investment portfolios may include:

  • Property insurance for building structures
  • General liability coverage
  • Business income coverage
  • Equipment breakdown coverage (when applicable)

Coverage is structured to reflect the size, mix, and risk profile of the portfolio.

Unlike individual property policies, Zurich Investment Property Portfolio Insurance allows investors to insure multiple properties under a coordinated program. This approach can improve consistency in coverage, reduce administrative complexity and better align risk management across the portfolio.

Yes. Zurich works with investors and brokers to structure portfolio programs that may include different property types and locations, subject to underwriting review. This flexibility supports diversified real estate investment strategies.

Business income coverage may be available through Zurich Investment Property Portfolio Insurance. This coverage helps protect rental or operating income if a covered loss affects one or more properties within the portfolio.

Yes. Zurich Investment Property Portfolio Insurance is available nationwide, subject to underwriting guidelines and jurisdictional requirements.

Yes. Zurich works closely with insurance agents and brokers experienced in real estate investment risks to design portfolio insurance programs aligned with ownership structure, property mix and investment goals.

To obtain Zurich Investment Property Portfolio Insurance, investors can request contact through ZProgramsMatch.

Zurich Investment Property Portfolio Insurance may be a good fit for investors who:

  • Own multiple properties
  • Want consistent coverage across locations
  • Prefer centralized insurance management
  • Seek long term risk management solutions

Zurich helps investors protect portfolios as they grow and evolve.

Real estate investors choose Zurich because of:

  • Experience supporting complex property portfolios
  • Financial strength and long term stability
  • Integrated underwriting and claims support
  • Risk management insight across diverse property types

Zurich helps protect real estate investments with confidence and consistency.