Insurance solutions for real estate investors
Fast, accurate insurance for investors buying, rehabbing, refinancing, renting, or scaling across multiple states. Coverage that keeps your deal moving.
Insurance can't be the reason your deal slows down
Real estate investment moves fast. Whether you're closing with a hard money lender, refinancing into a DSCR loan, or adding another property to your rental portfolio, your coverage has to move at the speed of your deal.
Lenders fund on paperwork, so we put as much weight on accuracy in documentation for closing — certificates, mortgagee wording, and entity details — as we do on the coverage itself.
At PanaVestors, backed by Panatela Insurance Group, we understand closing urgency, lender requirements, LLC ownership structures, and the coverage details investors actually need to keep deals moving.
One relationship across every phase
If you can invest in it, we can structure coverage for it
From a single distressed flip to a multi-state rental portfolio — matched to the actual risk, not a one-size box. Tap any property type for details and options.
Long-Term Rentals
Stabilized single-family and small multifamily rental homes.
Short-Term Rentals
Airbnb / STR properties with the right liability and loss-of-rent protection.
BRRRR Properties
Coverage that follows the buy-rehab-rent-refinance-repeat cycle.
Vacant Dwellings
Vacancy-compliant policies for the gaps between phases.
Homes Under Renovation
Light to heavy rehab — structured to the scope of work.
Builder's Risk
True builder's risk exposures for ground-up and major rehab.
DSCR-Financed
Policies written to satisfy DSCR lender requirements.
1031 Exchange Acquisitions
Coverage aligned with exchange timelines and entities.
Multi-Property Portfolios
Multiple homes under one manageable policy.
Your policy should change as your property does
Most coverage mistakes happen when the policy doesn't match the phase of the deal. Here's how we structure each one.
Distressed & Off-Market Deals
- Vacant & distressed / investor-grade homes
- Pre-rehab acquisitions and "investor specials"
- Off-market and auction deals
- Closing the coverage gaps that create deal risk
Rehab & Builder's Risk
- Builder's risk policies sized to the project
- Light vs. heavy rehab coverage
- Vacancy-compliant policies during construction
- Lender-required coverage language
Rentals — Short & Long Term
- Long-term rental coverage
- Short-term / Airbnb (STR) solutions
- DSCR loan-compliant policies
- Loss-of-rent protection
Hard Money & Fast Closings
- Same-day quoting
- Fast binding for lender funding
- Accurate certificates & mortgagee wording
- Coverage aligned to rehab stage
Built for 3+ property investors
One policy. Multiple properties. Easier management.
For growing portfolios, one policy per property gets inefficient fast. We have access to carriers that place multiple rental homes under a single policy — so properties can be added or removed as your portfolio changes.
- ✓ Add or remove properties throughout the year
- ✓ Reduce administrative burden across the portfolio
- ✓ Align coverage instead of juggling renewal dates
- ✓ Ideal for investors scaling past three properties
Your insurance premium can make or break the deal
DSCR lenders approve loans on this one ratio — and insurance sits right inside it. A leaner premium can be the difference between a yes and a no. Move the sliders and watch.
Illustrative only — not a lending decision or quote. Lender DSCR thresholds vary.
Wherever you're scaling, your coverage strategy keeps up
Regardless of your state of domicile, we can insure your properties in the states below — and the list is growing. Don't see yours? Call us and we'll look at getting licensed in additional states.
The list of states we're licensed in is growing. Contact us about coverage in a state not shown here.
Why the right market matters for investors
Standard "admitted" landlord carriers weren't built for investors. Here's the difference between a traditional admitted policy and a true investment-property carrier.
✕ Traditional Carriers
Admitted, standard-market policies — common limitations for investors:
- No LLCs or INCs as the named insured
- Limited number of properties allowed
- Limited or restricted coverage for short-term rentals (STRs)
- During rehab, no access to replacement-cost value (RCV)
- When vacancy runs beyond 30 days, water, theft & similar coverages are removed and the home shifts to actual cash value (ACV)
✓ Investment Property Carriers
Markets built for how investors actually hold and operate property:
- Accept LLCs, Trusts & INCs as the named insured
- Unlimited properties on one policy
- Full access to short-, mid- & long-term rentals
- During rehab, the property can stay on a rental policy with RCV coverage
- Vacancy beyond 30 days: water coverage stays in force and the home remains at RCV
Coverage first. Premium second.
- ✓ Fast turnaround built for closings
- ✓ Deep understanding of BRRRR & DSCR deals
- ✓ LLC & portfolio structuring expertise
- ✓ Accuracy in documentation for closing
- ✓ Short- and long-term rental solutions
- ✓ Clear, accurate guidance on policy language
A coverage-first conversation
Guidance for landlords & investors
When a Security Deposit Doesn't Cover the Damage
A step-by-step playbook for recovering losses when a tenant's deposit falls short — documentation, demand letters, and where insurance fits.
Read article →Builder's Risk vs. Vacant Dwelling: What Rehabbers Get Wrong
The coverage gaps that surface mid-project — and how to structure around them.
Coming soonScaling Past 3 Doors: When to Move to a Portfolio Policy
Signs it's time to consolidate, and what changes when you do.
Coming soonInvestor insurance built for speed, accuracy & scale
Closing next week, renovating now, refinancing soon, or scaling across states — let's structure coverage around your next deal.