Income Properties

Types of Properties Covered:

• 1 – 4 Family Homes
• Student Housing
• Affordable Housing
• Senior Housing
• Market Rate Apartments
• Community Associations
• Mixed Occupancies
• Commercial Occupancy
• Industrial Occupancy
• Retail Occupancy
• Vacant Property

Available Coverage Options:

• Low Actual Cash Value Limits
• High Replacement Cost Value Limits
• Market Valuation Building Limits
• High limits of liability
• Special Policy Enhancements

Savings Options:

• Higher Deductibles

Renovation Projects Insurance

What Qualifies:

• Incomplete Construction Projects
• Fire, Flood, Wind and other Damaged
• Properties in disrepair or disused
• To be flipped, owner or tenant occupied

Coverage is based on the completed cost of the project including cost or market value of the property at the start, plus the value of the labor, plus the cost of the materials.

One touch simplicity for a complicated product.

Builders Risk Insurance

An insurance product written for the value of the completed project written with a discount that must be purchased before construction begins.

Prefabricated Structures Insurance

Higher Coverage amounts make lenders happy.

• Replacement Cost Settlement Option on nearly any age home.

• Stick Built Replacement Cost Settlement Option on Doublewides on a complete slab.

• Stick Built Replacement Cost Settlement Option on Modular Home with perimeter foundation.

Hard-To-Insure Properties

• Dogs
• Horses
• Old nasty buildings
• Vacancy
• Properties or owners with losses
• Properties over 5 miles from a fire station
• Child Daycare
• Restaurants