Real Estate & Habitational

Insurance solutions for landlords, property managers, apartment owners, and real estate professionals.

Landlord Insurance

Comprehensive coverage for residential rental property owners, including building, liability, and loss of rental income.

Building coverage
Rental income loss
Liability protection
Tenant damage

Who Needs This?

Owners of single-family, duplex, or small multi-family rental properties.

Full Coverage Details

Habitational / Apartment Coverage

Specialized insurance for apartment complexes and multi-family residential properties, covering buildings, liability, and loss of rents.

Multi-family buildings
Premises liability
Loss of rents
Equipment breakdown

Who Needs This?

Apartment complex owners, multi-family property investors, and housing associations.

Full Coverage Details

Vacant Property Coverage

Insurance for unoccupied buildings that standard property policies exclude, covering fire, vandalism, and liability during vacancy.

Vacant building coverage
Vandalism & malicious mischief
Liability
Short-term or annual

Who Needs This?

Property owners with buildings vacant for 60+ days due to renovation, sale, or between tenants.

Full Coverage Details

Lessors Risk

LRO

Liability coverage for commercial property owners who lease their buildings to tenants, protecting against tenant or visitor claims.

Premises liability
Tenant operations
Property coverage
Loss of rents

Who Needs This?

Owners of commercial properties leased to retail, office, or industrial tenants.

Full Coverage Details

Property Management E&O

Professional liability for property management companies against claims of negligence in managing properties on behalf of owners.

Management errors
Tenant disputes
Maintenance failures
Fair housing violations

Who Needs This?

Property management companies managing residential or commercial properties for third-party owners.

Full Coverage Details

Short-Term Rental Coverage

Specialized insurance for properties listed on Airbnb, VRBO, and other short-term rental platforms, filling gaps in homeowner and standard landlord policies.

Guest liability
Property damage
Loss of rental income
Platform gap coverage

Who Needs This?

Owners renting properties on Airbnb, VRBO, or other short-term rental platforms.

Full Coverage Details

Ready to Get Coverage?

Our specialists will help you find the right real estate & habitational coverage for your business.

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