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Multi-Family Rentals (2-4 units)

Unlike the traditional policies purchased today, our single – family and small multi-family rental policies were originally created for banking institutions, lenders, mortgage companies and private real estate investment firms that had a large volume of properties that needed to be insured.

Now, these policies are available to the real estate investor. This exclusive and flexible program is a perfect fit for Investment Property Owners with 5 or more property holdings with one to four unit properties.

Investor Challenges & Solutions

CHALLENGES	SOLUTIONS
High cost of insurance	Very competitive rates
Insurance company requires high coverage limits and raising coverage every year	Investor gets to choose the coverage amounts and they do not change unless investor changes
Troublesome inspections	No Inspections
Limited coverage for vacant properties	Vacant properties covered
Lower limits of liability	High limits of liability per property
Basic and actual cash value policies	Special perils coverage form
No replacement cost or stated value coverage	Replacement cost coverage – Coverage is stated limit per property
Paying higher premiums for older properties, unfavorable areas and construction type	No age, location or construction type issues or up charges. Consistent pricing
Having co-insurance penalties	No co-insurance penalties
Multiple insurance bills per property that are difficult to manage	One bill, one policy. Monthly or annual billing with no service fees
No ability to combine multiple LLC’s and entity types on one policy	Can insure multiple LLC’s, trusts, LP’s, corporations on one policy
Delayed closings because of inspections and underwriting by company and agent	No inspections or underwriting. Investor can add or delete property online
Coverage for out of state properties	Nationwide coverage on the same policy
Extra charge for additional insured	No extra cost for additional insured
Earned premium minimums	No earned premium minimum or short rate penalties

Real Estate Products

Target Classes

1 – 4 unit dwellings
Minimum of 5 or more properties
Small apartments
Long term rental portfolios
Condominiums
Buy and sell flippers
Light commercial mix
In-state or multi-state portfolios

Coverage Highlights

PROPERTY	LIABILITY
Special Causes of loss (ISO based form)	$1 million per occurrence / $$2 million aggregate – per property
Loss of rents and business personal property included when requested	$5,000 medical payments
Deductibles range for $2,500 to $25,000	No deductible
Separate deductibles wind and hail	Excess coverage available
Up to $5,000,000 per property	ISO based CGL coverage form