01 / RENTED
Tenant-Occupied Rentals
For rental homes occupied by long-term tenants or used for eligible short-term rentals.
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Rental & Investment Property Insurance
Tenant-occupied rentals. Vacant properties. Builders risk for construction & renovation.
THREE WAYS TO PROTECT YOUR PROPERTY
What does your property need?
Choose the situation that fits today. One quote request gets us the details to review your options.
02 / UNOCCUPIED
Vacant Properties
For homes between tenants, awaiting sale, or held for future use.
Request a Quote03 / BUILDING OR IMPROVING
Builders RiskConstruction & Renovation
For new construction, renovations, additions, and property flips.
Request a QuoteA QUICK LOOK AT EACH PROGRAM
Coverage for the stage you’re in.
Tenant-Occupied Rentals
Landlord coverage is designed for homes you rent to others. We can review property protection, premises liability, and available loss-of-rents options based on the rental use.
Vacant Properties
An unoccupied home needs a closer look at vacancy, security, and condition. Tell us why it’s vacant, how long you expect it to remain empty, and whether any work is planned.
Builders Risk — Construction & Renovation
If your lender asks for a builders risk policy, start here. We’ll review the existing property, planned work, construction budget, and timeline to help identify coverage options for the project.
QUESTIONS & ANSWERS
A few things to know.
Which program should I choose?
Start with how the property is used today: tenant-occupied, vacant, or under construction or renovation. If more than one applies, describe the situation in your quote request so we can review it with you.
My lender says I need builders risk. Is this the right place?
Yes. Choose Builders Risk — Construction & Renovation. Include your lender’s requirements, the current property value, the construction budget, and the expected completion date.
Can I use a landlord policy while the home is vacant or being renovated?
That depends on the policy’s vacancy and construction provisions. Tell us about occupancy and planned work before coverage begins, and contact us when either changes so we can review the appropriate options.
Can the property be owned by an LLC or business?
We can review requests for individually owned and entity-owned properties. Provide the exact legal owner’s name and tell us who will occupy the property and how it will be used.
What information helps you prepare a quote?
Have the property address, owner information, desired effective date, occupancy, property details, and lender information ready. For builders risk, also include the existing value, scope of work, project budget, and timeline.
What happens when the renovation is finished or a tenant moves in?
Contact us before the change. We can review the completed property and its new use to help you arrange the next stage of coverage.
ELIGIBLE CLASSES
Property types we can review.
A quick guide to the kinds of properties and projects to include in your request.
Tenant-Occupied Rentals
- Single-family rental homes
- Duplexes and two-to-four-unit dwellings
- Rented condominium or co-op units
- Short-term rentals and small multifamily properties, subject to review
Vacant Properties
- Homes between tenants
- Unoccupied homes awaiting sale
- Recently purchased investment homes
- Estate-owned or investor-held dwellings
Builders RiskConstruction & Renovation
- New residential construction
- Renovations to existing homes
- Fix-and-flip projects
- Additions and structural work, subject to review
Examples only. Eligibility and available coverage depend on the property, occupancy, project scope, carrier underwriting, and policy terms.
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