Because the right insurance coverage for your investment property means everything.
We help real estate investors purchase the right insurance coverage at the most competitive price for rental properties and fix & flip properties.
This is coverage for damage that may occur to the structure of the property ("dwelling"). Let's say a tree falls through the roof, or a fire damages the kitchen.
This is coverage for accidents that may occur at the property. Let's say a tenant trips and falls down the stairs and sues you.
For landlord insurance policies, coverage should be at least $500,000 for each occurrence and $1,000,000 in the aggregate. For fix and flip "builders risk" policies, coverage should be at least $1,000,000 per occurrence and $2,000,000 in the aggregate.
This is coverage for "loss of rents" -- yes, many rental investors don't realize they can add this coverage to their policy. Let's say your tenant stops paying rent, you can file a claim and recoup up to 12 months of lost rent.
This is coverage for damage caused by flood. If your property is in a flood zone, your lender will likely require you to have flood insurance. This can add a considerable amount to your insurance costs.
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