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Investor property

rooftops

A simplified approach to insuring investor property portfolios. The investor property program offers a package policy that includes both property and general liability coverage.

Appetite:

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

Types of risk:

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

Ineligible risks:

  • 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

Geography:

  • Nationwide

Submission requirements:

  • 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.

Coverages offered:

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

Coverage limits:

  • Property - $10 million per location – higher limits available with referral
  • General Liability limits - $1 million /$2 million – higher limits available with referral
  • Minimum premium: $2,500
  • Minimum deductible: Varies

Admitted or non-admitted:

  • Non-admitted