Coverage matched to the property — and the stage it's in
Select a property type for how we structure coverage and the options available. Every placement is matched to the actual risk and the way you hold the asset.
Long-Term Rentals
Once a property is stabilized with a long-term tenant, the risk profile changes — and the policy should too. We place coverage built for buy-and-hold landlords, with the dwelling protected on a replacement-cost basis and liability sized to the way the property is actually used.
Talk to us about a long-term rentals placement →What we can structure
- ✓Dwelling coverage on a replacement-cost (RCV) basis
- ✓Landlord / premises liability
- ✓Loss-of-rent (fair rental value) protection
- ✓Optional landlord contents & equipment
- ✓LLC, Trust or INC as the named insured
What we can structure
- ✓STR-aware liability coverage
- ✓Business income / loss of rent for booked stays
- ✓Contents & furnishings coverage
- ✓Mid-term and hybrid-use scenarios
- ✓Markets that don't penalize nightly turnover
Short-Term Rentals (STR / Airbnb)
Short-term rentals carry higher turnover and guest exposure than a standard lease. We work with markets that understand nightly and mid-term stays, so your liability and income protection actually match how the property operates.
Talk to us about a short-term rentals placement →BRRRR Properties
The buy-rehab-rent-refinance-repeat cycle moves a single property through several risk states in a matter of months. We structure coverage that follows each phase so you're never paying for the wrong policy — or worse, carrying the wrong one.
Talk to us about a brrrr properties placement →What we can structure
- ✓Builder's risk / renovation coverage during rehab
- ✓Transition to a rental policy once stabilized
- ✓Vacancy-compliant terms between phases
- ✓RCV retained where the carrier allows
- ✓Documentation aligned to your refinance lender
What we can structure
- ✓Vacancy-compliant policy forms
- ✓Retain water, theft & similar perils where available
- ✓RCV considerations reviewed up front
- ✓Coverage during the gaps between tenants or phases
- ✓Right-sized for short- or longer-term vacancy
Vacant Dwellings
Vacancy is where coverage quietly erodes. Standard policies often strip protections — or shift to actual cash value — once a home sits empty. We place vacancy-aware coverage that keeps the protections that matter during the gaps.
Talk to us about a vacant dwellings placement →Homes Under Renovation
Light cosmetic updates and full gut rehabs are not the same risk, and they shouldn't be insured the same way. We match the policy to the scope of work so the coverage holds up if something goes wrong mid-project.
Talk to us about a homes under renovation placement →What we can structure
- ✓Light vs. heavy rehab structured correctly
- ✓Builder's risk or renovation endorsement as appropriate
- ✓Coverage for the structure during construction
- ✓Lender-required coverage language
- ✓Scope reviewed before binding
What we can structure
- ✓Course-of-construction coverage for the structure
- ✓Materials on site (and in transit where available)
- ✓Theft & vandalism during construction
- ✓Soft-cost considerations on larger projects
- ✓Terms aligned to your construction lender
Builder's Risk
For ground-up construction and major rehab, builder's risk protects the project itself — the structure, the materials, and the costs tied up while work is underway. We size the policy to the real exposure of the build.
Talk to us about a builder's risk placement →DSCR-Financed Properties
DSCR lenders care about specific coverage limits and exact wording — and the premium itself affects your approval. We write policies that satisfy the lender and keep the numbers working in your favor.
Talk to us about a dscr-financed properties placement →What we can structure
- ✓Coverage written to DSCR lender requirements
- ✓Accurate mortgagee & lender wording
- ✓Certificates issued fast for funding
- ✓Premium structured with your DSCR in mind
- ✓Clean documentation for the file
What we can structure
- ✓Fast binding to protect exchange deadlines
- ✓Coverage aligned to the acquiring entity / LLC
- ✓Placement onto an existing schedule where it fits
- ✓Lender-ready certificates
- ✓Smooth hand-off into your long-term policy
1031 Exchange Acquisitions
Exchange timelines are unforgiving. When the clock is running on a replacement property, coverage can't be the holdup. We bind quickly and align the policy to the acquiring entity from day one.
Talk to us about a 1031 exchange acquisitions placement →Multi-Property Portfolios
Once you're holding several doors, one policy per property becomes a paperwork drag. We consolidate multiple homes under a single policy with a schedule of values, so you add or remove properties without starting over each time.
Talk to us about a multi-property portfolios placement →What we can structure
- ✓Multiple properties under one policy
- ✓Add or remove homes throughout the year
- ✓One schedule of values, one renewal
- ✓Reduced administrative burden
- ✓Ideal for investors scaling past three properties
Tell us about the deal — we'll structure the coverage
Most investor properties move through more than one of these in a single year. We'll map coverage to the whole lifecycle.