Coverage for every role in a real estate transaction
Real estate is a category, not a single policy. A landlord with three duplexes needs something different from a 40-unit syndication, a brokerage with 200 agents, or a property manager handling other people's buildings. We write each of these roles with the policy form that actually fits.
What we cover, by role
Owners and investors typically need property (with a real conversation about replacement cost versus actual cash value), loss of rents, general liability, equipment breakdown, ordinance and law, plus flood or earthquake where applicable.
Property managers need real estate E&O, miscellaneous professional liability, crime and employee dishonesty coverage, and a general liability form that picks up the property under their management.
Brokerages and agents need E&O written for transaction volume, cyber for wire-fraud exposure, and a BOP for the office.
Habitational and multifamily owners are working in a tight market. We know which carriers are writing 1 to 4 unit, 5 to 50 unit, and 50+ unit risks, and which will surcharge an aluminum-wiring building before you spend two weeks on the submission.
What we'll ask up front
Year built, roof age, wiring, plumbing, square footage, occupancy mix, prior losses, and whether the units have working hardwired smoke detectors. Answering those once gets you to a real quote.
Tell us about your business and we'll come back with options from carriers writing your class.
Get a habitational quote