Investment Property Insurance Coverage
Comprehensive protection designed specifically for BRRRR real estate investors.
Get Your Free QuoteCoverage for Every BRRRR Stage
Your insurance needs change as your property moves through the BRRRR cycle. We've got you covered at every step.
Buy
Vacant property coverage from day one
Rehab
Builder's risk during renovation
Rent
Landlord policy with tenant coverage
Refinance
Lender-compliant documentation
Repeat
Portfolio policies for scaling
Coverage Options
Choose the coverage that fits your investment strategy. Mix and match for complete protection.
- Coverage during active renovation
- Theft of materials and supplies
- Vandalism and malicious damage
- Fire and weather damage during rehab
- Contractor liability coverage
- Flexible policy periods (30-day to 12-month)
- Properties vacant 30+ days covered
- Pre-renovation acquisition protection
- Between-tenant coverage
- Vandalism and break-in protection
- Liability for property injuries
- No occupancy restrictions
- Property damage protection
- Loss of rental income
- Liability coverage for tenant injuries
- All-perils coverage available
- Fair rental value protection
- Personal property coverage options
- Tenant injury claims
- Visitor accident liability
- Legal defense costs
- Medical payment coverage
- Property damage claims by tenants
- Coverage up to $5M+ available
- One policy for entire portfolio
- Simplified administration
- Volume pricing discounts
- Easy to add new properties
- Consistent coverage across holdings
- Reduced paperwork at refinance
- Additional $1M-$10M+ coverage
- Covers all properties under one policy
- Protection against catastrophic claims
- Legal defense coverage
- Coverage for excess judgments
- Asset protection for serious investors
Property Types We Cover
From single-family rentals to small apartment buildings — we insure the properties BRRRR investors buy.
Single-Family Rentals
SFR investment properties
Duplexes
2-unit residential
Triplexes & Quads
3-4 unit properties
Small Apartments
5-20 unit buildings
Mixed-Use
Retail + residential
Fix & Flip Projects
Active renovations
Have a different type of investment property? We likely cover it too. Contact us to discuss your needs.
Frequently Asked Questions
Common questions from BRRRR investors about coverage.
Do I need different insurance during the rehab phase?
Yes! Properties undergoing renovation have different risks than occupied rentals. During rehab, you need builder's risk or vacant property coverage. Once tenants move in, you'll need a landlord/rental dwelling policy. We make transitions seamless—often just a phone call.
Can you insure properties held in an LLC?
Absolutely. Most BRRRR investors hold properties in LLCs for liability protection. We're experienced with LLCs, series LLCs, land trusts, and other business structures. Your coverage can be written in the entity name.
What happens when my property is vacant between tenants?
Many standard landlord policies void coverage if a property is vacant for 30-60 days. Our investor-focused policies maintain coverage during tenant turnover, so you're never exposed during the transition.
Do you offer discounts for multiple properties?
Yes! Investors with multiple properties can benefit from portfolio pricing and blanket policies. As your portfolio grows, your per-property costs often decrease. We also simplify administration with single invoicing and unified renewals.
What documentation do lenders need for refinancing?
Lenders typically require proof of insurance showing them as mortgagee, adequate coverage amounts, and specific endorsements. We're familiar with lender requirements and can provide compliant documentation quickly to keep your refi on track.
Have more questions? We're happy to help.
Contact UsGet Your Custom Quote
Every investor is different. Let us create a coverage package tailored to your specific portfolio and investment strategy.