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Real Estate & Property Management Insurance
Landlords, property managers and real estate agents carry risks most policies miss. We cover rental properties, the companies that manage them and the agents who sell them.
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Real Estate & Property Management
Coverage Built for Real Estate & Property Management
We compare several insurance companies and put the pieces together so nothing important is left out.
- Landlord and dwelling fire policies for rental homes
- Commercial property for apartment and mixed-use buildings
- General liability for owners and managers
- Errors and omissions for agents and property managers
- Loss of rents if a unit becomes unlivable
- Workers' comp for maintenance staff
- Commercial umbrella across your properties
Good to Know
Before You Buy
Rental and real estate claims come from tenants, buildings and professional mistakes. These are the points we go through with every owner and agency.
- A homeowners policy will not cover a rental. Once you rent a property out, you generally need a landlord or dwelling fire policy. A standard homeowners policy may not respond to losses at a rental.
- Loss of rents. If a covered loss makes a unit unlivable, loss of rents coverage replaces the rental income while it is repaired.
- E&O for agents and managers. Errors and omissions covers claims that a mistake in your professional services cost a client money, such as a missed disclosure or a mishandled deposit.
- Tenants need their own policy. Your landlord policy covers the building, not tenant belongings. Requiring renters insurance in the lease protects everyone.
- Vacancy can limit coverage. Many property policies limit or exclude certain losses if a building sits vacant for more than about 60 consecutive days.
Pair It With
Gaps to Close for Real Estate & Property Management
A single policy rarely covers everything. These are the most common additions.
Errors and Omissions
Professional liability covers claims that your work as an agent or manager caused a client a financial loss.
One Umbrella Over Your Rentals
An umbrella can sit over several rental properties and raise liability limits across all of them.
Apartment and Mixed-Use Buildings
Commercial property covers larger rental buildings, including loss of rents after a covered loss.
Questions
Real Estate & Property Management Insurance Questions
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
Do I need a different policy for a short-term rental?
Often, yes. Many landlord policies exclude short-term rentals like those booked through online platforms. We find coverage that fits how you rent.
Does my brokerage's E&O cover me?
It may. Check whether individual agents are covered and what the limits are. We can review the policy with you.
Should I put an umbrella over my rentals?
If you own several rentals, an umbrella is often an affordable way to raise your liability limits across all of them.
Own Rentals or Manage Properties?
Tell us about your business and we will compare insurance companies for you.