Most homeowner forms assume an owner-occupied risk. Once a property is rented — long-term or short-term — the occupancy, liability exposure, and loss-of-use needs change. A dwelling fire (DP-3) or landlord form is usually the right answer. We’ll walk through whether your current policy actually covers the way the property is being used today.

Yes — the named insured should usually match title. We can write the policy with the LLC as named insured and add the members or a related entity as additional insured where appropriate. We’ll also coordinate with your lender so the loss payee and mortgagee clause line up with what closing requires.

Yes — 2–4 unit residential is core to what we do. We’ll review the construction, year built, roof, claims, and occupancy, then place it on a landlord or dwelling form with the right per-unit limits and liability.

Each detached structure should be scheduled correctly, especially when it’s rented separately. We’ll structure the policy so the main dwelling and the ADU are each addressed — sometimes on the same policy, sometimes split, depending on carrier appetite.

Usually, yes. Lender binders and evidence of insurance can often be issued the same day once carrier appetite is confirmed. Flag the closing date when you reach out and we’ll prioritize it.

We do, when the property, occupancy, and carrier appetite line up — it’s a real use case for us, but it sits alongside long-term landlord coverage rather than being our lead product. We’ll be honest about what is and isn’t available for your specific risk.

Broadway is licensed in multiple states, including California, Ohio, Florida, Arizona, Pennsylvania, North Carolina, and Illinois. If your property is in another state, send the address and we’ll confirm whether we can help or point you in the right direction.

Premium depends on the property, the carriers willing to write it, and the limits and deductibles you choose. We won’t promise the lowest price — we’ll show you options across markets, explain the differences, and let you decide.