Insurance We Offer
Real Estate Insurance
Purpose-built coverage for rental properties, real estate investors, and property management professionals — from vacant units to tenant liability.
Owning or managing real estate brings a different set of risks than living in your own home — tenants, vacancies, contractors on site, and properties that can sit unoccupied between leases. Standard homeowners coverage isn't built for any of that.
Whether you own a single rental, a growing portfolio, or run a property management or brokerage business, we place coverage that matches how the property is actually used and who's responsible for it.
What this coverage can include
Landlord & Rental Property Coverage
Protection for the property itself and the income it generates.
- Dwelling fire / landlord policies for 1-4 family rentals
- Loss of rental income and fair rental value
- Vacant property and builder's risk coverage
- Liability for tenant and visitor injuries
- Ordinance or law coverage for older properties
Real Estate Business Coverage
Protection for property management companies, brokerages, and investors.
- General liability for property managers and investors
- Real Estate Errors & Omissions (E&O) for agents and brokers
- Commercial property coverage for offices and managed buildings
- Workers' compensation for staff and maintenance crews
- Commercial auto for showing and maintenance vehicles
Coverages and availability vary by carrier, state, and policy. Contact us to review the specific options available to you.
Real Estate Insurance — Frequently Asked Questions
What's the difference between a homeowners policy and a landlord policy?
A homeowners policy is written for owner-occupied property and typically excludes or limits coverage once you rent the home to someone else. A landlord (dwelling fire) policy is built for rental property — it covers the structure, adds liability for tenant and visitor injuries, and can include loss of rental income if a covered loss makes the unit unrentable.Do I need coverage if my rental property is vacant?
Yes. Many landlord policies limit or exclude coverage once a property sits vacant beyond a set number of days, since vacant buildings carry more risk of vandalism, theft, and undetected damage. We can help you add vacant property coverage or a builder's risk policy if you're renovating between tenants.What does real estate Errors & Omissions (E&O) insurance cover?
E&O coverage protects real estate agents, brokers, and property managers against claims of negligence, mistakes, or omissions in the professional services they provide — things like a missed disclosure, a lease dispute, or an error in a listing. It's often required by brokerages and is worth carrying even where it isn't mandated.I have a few rental properties — do I need a separate policy for each?
Not necessarily. Depending on the carrier, multiple rental properties can sometimes be scheduled on a single landlord policy or a small commercial portfolio policy, which can simplify billing and renewals. We'll review your properties and recommend the structure that gets you the best coverage and price.Do property managers need their own liability coverage, separate from the property owner's?
Yes. A property owner's policy protects the owner, but a property management company faces its own liability exposure — from tenant screening and lease administration to on-site maintenance work. General liability and E&O coverage written for the management company fill that gap.