Real Estate Investor Insurance

Insurance for
property investors

Whether you flip, hold, or BRRRR—you need coverage for your properties and the vehicles you use to manage them. We work with fix-and-flip investors, landlords, and property managers across our six-state footprint.

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Coverage Guide

What investors typically need

Coverage	Required?	What It Does
Commercial Auto	Situational	Covers vehicles you use for property visits, contractor meetings, and running your investment business.
General Liability	Usually Required	Covers third-party injury or property damage claims at your properties or from your business operations.
Property / BOP	Usually Required	Business Owner's Policy bundles property and liability. Good for portfolios with multiple occupied properties.
Vacant Property	Situational	Standard property policies exclude vacancies over 60 days. If you flip or hold vacant, you need this.
Builder's Risk	Situational	Covers properties under renovation—the building and materials during construction.
Umbrella Liability	Situational	Extra liability limits above your auto and GL. Smart if you have significant assets to protect.

The Gap

Vacant property coverage

Most standard property policies have a vacancy clause—if a building is unoccupied for more than 60 days, coverage is reduced or excluded entirely. This catches a lot of investors off guard.

If you buy properties that sit vacant during rehab, between tenants, or while waiting to sell—you need a policy that explicitly covers vacant or renovation properties. We work with markets that specialize in this.

Common scenarios we cover

• Fix-and-flip properties during renovation
• Wholesale deals awaiting assignment
• Rentals between tenants
• Properties in probate or foreclosure
• Land held for development
• Failed flips waiting for sale

Investor Types

All investment strategies

Fix & Flip

Buy & Hold

BRRRR

Wholesalers

Landlords

Property Managers

Vacation Rentals

Commercial Property

Ready for a quote?

Tell us about your portfolio. We'll help you cover your properties, your vehicles, and your liability exposure.