Three lines, all written for property held as an investment and occupied by tenants.
2 TO 10 UNITS
Covers the building, the rent, and the liability.
Written on a dwelling fire special form (DP-3). Broad causes of loss on the structure, loss-of-rents coverage that replaces income while units are uninhabitable, and premises liability for injuries on the property.
LAYERED ABOVE THE UNDERLYING POLICIES
Adds limits where a judgment would exceed what sits below it.
Rental property pushes an owner's liability past what underlying policies are written to carry. An umbrella sits above the landlord and personal policies and adds limits in $1M increments. Carriers set minimum underlying limits before an umbrella will attach. For owners holding more than one building, this is usually the most consequential line in the program.
LARGER MULTIFAMILY
For portfolios that have outgrown a dwelling fire policy.
Buildings above ten units generally move to a commercial form. We place these when a portfolio outgrows what a dwelling fire policy is built to cover, and coordinate the umbrella above it.
No auto, health, or life. No owner-occupied homeowners policies outside an existing landlord relationship.
Sending an owner elsewhere when the risk isn't ours to place is part of the job.
Coverage described here is general. Terms, limits, exclusions, and availability are set by the policy issued and the carrier issuing it. Nothing on this page is an offer of insurance or a guarantee that coverage is available for a given property.