Six situations we write every week.
Each situation has its own form, carrier appetite, and pitfalls. We translate between the property and the policy.
Primary.
Rental Dwelling (SFR)
Single-family long-term rentals on a true landlord form. Coverage for the structure, loss of rents, liability, and code upgrades — not a homeowner policy stretched out of shape.
- Dwelling fire DP-3 (special form) where eligible
- Fair-rental-value / loss of rents
- Premises liability for tenant-occupied risk
ADU and Multiple Structures
Front house plus an ADU, casita, or detached unit on one parcel. Structured so each building is properly scheduled and the policy doesn’t argue with itself at claim time.
2–4 Unit Residential
Duplex, triplex, and fourplex rentals. Per-unit limits, ordinance or law where available, and liability that matches the way the building is actually occupied.
Portfolio Landlord
Several rentals across one or more states. We work toward consistent forms and aligned renewal dates so you’re not managing twelve different agents and twelve different anniversaries.
Lender / DSCR Evidence
Binders, declarations pages, mortgagee and loss-payee clauses, additional-insured endorsements — sized to the loan amount and delivered on the closing schedule.
Secondary.
Short-Term and Furnished Rentals
STR, Airbnb, Vrbo, and furnished mid-term use, written when the property, occupancy pattern, and carrier appetite line up. Available as a use case, not our headline product.
Get Started Today
As an independent agency, we are here to help you find the right Coverage Situations coverage.
Get a Quote
Get a Quote
As an independent agency, we are here to help you find the right coverage.
Get a Quote
It only takes a minute to get started.
- Fill out the form, we’ll be in touch.
- Review options with an agent.
- Get the coverage you need.
