Common reasons investors call us.
Usually it’s not a single thing — it’s a stack of small issues that an off-the-shelf homeowner policy can’t carry. Recognize any of these?
- The homeowner policy doesn’t fit anymore — the property is rented out and the carrier is asking questions.
- There’s an ADU, casita, or detached structure that’s being rented separately and isn’t really covered.
- The carrier wants separate policies for the front house and the back unit, and that doesn’t make economic sense.
- A lender deadline is in three days and the binder still isn’t right.
- The property is titled to an LLC, trust, or S-corp and the existing policy is in a personal name.
- The unit is vacant during a renovation or between tenants and existing coverage may have lapsed.
- Roof age, year built, prior claims, wildfire exposure, or coastal location are narrowing the list of willing carriers.
- The property is occasionally used as a short-term or furnished rental and the current policy doesn’t acknowledge that.
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As an independent agency, we are here to help you find the right Problems We Solve coverage.
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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.
