Insurance for real estate investors.

One program for landlords with several buildings: blanket or scheduled property, a liability limit that fits the whole portfolio, and a named insured list that matches every LLC on every deed.

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What real estate investors usually carry

Blanket or scheduled property
Loss of rents
General liability, $1M / $2M
Umbrella
Equipment breakdown
Hired and non-owned auto

Watch for these in a portfolio policy

Margin clauseSome blanket policies cap what any one building can collect at 110% or 125% of its listed value. A stale value on one address can cost you on that address.
Newly acquired buildingsStandard forms give a new purchase only a short, capped window, often 30 days and $250,000 per building. Report closings before or when they happen.
Every LLC namedEach entity that holds title needs to be a named insured. A building owned by an LLC left off the policy may have no coverage at all.
One aggregate for everythingWithout a per-location aggregate, one bad year at one address can use up the liability limit for the rest.
Mixed portfoliosSingle-family rentals, small multifamily, and commercial space do not always fit one carrier’s program. Some portfolios run best split in two.

What lenders and partners ask real estate investors for

Per-location aggregateCG 25 04, so each address has its own aggregate limit. Portfolio lenders often require it.
Statement of valuesCurrent replacement values for every building, not purchase prices.
Mortgagee on the right buildingsEach lender wants its clause on the buildings it finances, and the policy should show which ones.
Umbrella over every entityPartners often want one umbrella that follows every entity and every address.

Questions real estate investors ask

Straight answers.

The questions we hear most, answered plainly.

Should my properties be on a blanket or scheduled policy?

A blanket shares one limit across buildings, which helps when one value is off. A scheduled policy sets a limit for each building. Blankets usually need current values and often an agreed value clause.

What happens when I buy a new property?

Tell us before closing. We ask the carrier to add it with its own value and your lender’s clause, instead of relying on the short automatic window in the policy.