HARD TO FIND
REAL ESTATE INSURANCE

Not all insurance companies insure vacant properties, especially, when you have to rehab it. Also, many carriers will not provide general liability with it. We specialize in hard to find insurance for Real Estate Investors/vacant home insurance coverage, which can be renewed for up to three years of coverage with pro-rated cancellation.

While many other companies shy away from insuring vacant homes, we got you covered. Whether you move, rehab it, or put it up for sale, you won't get stuck paying for a longer term than you needed.

We've got you covered:

Named Peril Coverage

This means we cover "perils" (fire, explosion, lightning, windstorm, and hail damage) subject to policy exclusions and conditions.

Vandalism and Malicious Mischief Coverage

Not offered by all companies we can get it for you.

Full 12 Month Policy

Flexible payment plans and a pro-rated cancellation.

Agreed Loss Settlement

If your home is destroyed by an insured loss, you receive the full amount of agreed upon insurance for your home (minus any applicable deductible).  No hassles.

Liability Coverage

Provides coverage for injury to someone on the rental premises or property damage.

Actual Cash Value

In the event of a covered loss, this covers the cost to replace or repair your damaged property, with a deduction for depreciation, which reflects that age and condition of your home.

Your Hard To Find Insurance Resource

As fellow real estate investors, we know your pain and needs. As such, just like us, you can struggle finding the coverages needed for your properties. Therefore, we decided to become a resource for other fellow investors and become your go to agency for hard to find, investor friendly insurance.

We specialize in:

  • Builders Risk
  • Investors’ Property (Vacant and Rental)
  • General Liability
  • Professional Liability
  • BOP (Business Owners Policy)
  • Contractor's Equipment

Real Estate Asset Protection Program

This program is designed specifically for real estate investors. Our program works just like the master policies mortgage servicers use to protect their real estate portfolio. The program gives you flexibility and the coverage you must have to protect the various types of properties you acquire, regardless of your acquisition or exit strategy.

It provides you with:

  • One bill
  • Monthly direct bill in 12 installments (ultimate cash flow plan)
  • Includes Property with deductible options
  • Replacement Cost only 80% or Actual Cash Value
  • Includes wind coverage subject to 1% or 2% deductible.
  • Theft included
  • Includes General liability at standard $2M/$1M.
  • You can ADD/DELETE or CHANGE any property value of any property at any time via online reporting Unlimited LLC’s and additional insured’s no additional cost
  • Residential commercial mix ok
  • Vacant and rental mix ok
  • No short rate penalty
  • No inspections
  • No wind mitigations
  • Loss of rents available
  • Builder risk & freeze coverage options

This policy handles payment for damage to any type of commercial property due to fire, theft, or natural disasters.

Considerations In Commercial Property Insurance

These are the considerations in this coverage:

  • Location - locations within city limits and proper fire protection usually cost less to insure than rural areas.
  • Architectural material – over all fire-resistant materials throughout the structures could lower premiums.
  • Occupancy – activities, tenants, or adjacent business, such as auto repairs or restaurants can increase risks, hence higher premiums.
  • Fire protection – the distance to the nearest fire hydrant or fire station is a consideration.

This insurance handles all areas and covers contractors and sub-contractors working on large projects valued at over $10 million. The cover can be owner-controlled, meaning that it's set up by the owner for the listed builder or contractor. Wrap-Up Insurance can also be contractor-controlled, extending coverage to all other contractors and subcontractors on the project.

As the name suggests, this cover insures everyone involved in the project. Policies in this type of insurance may include:

  • Builders risk
  • General liability with a broad form of endorsement
  • Umbrella liability
  • Workers compensation
  • Commercial vehicle
  • Property damage

Also known by some as Course of Construction, handles claims filed against buildings that are still under construction. This cover may insure the structure alone or may include onsite materials awaiting installation or transportation to the relevant workspace. The cover is a requirement that many owners expect their listed contractors to have.

The policy has a coverage limit, ideally corresponding to the value of the completed structure in terms of materials used and labor costs. For this adjustment, the construction budget gives an accurate guideline. These policies may come in durations of three, six, or twelve months. If the project exceeds the estimated timeline, the policyholder may exercise a one-time extension.

As the name suggests, this cover insures everyone involved in the project. Policies in this type of insurance may include:

  • Builders risk
  • General liability with a broad form of endorsement
  • Umbrella liability
  • Workers compensation
  • Commercial vehicle
  • Property damage

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