Single-family rentals.

Long-term tenant-occupied homes that need a true landlord (dwelling fire) policy, not a homeowner form.

Duplex, triplex, fourplex.

2–4 unit residential rentals, mixed long-term tenancy, owner-occupied or fully tenant-occupied.

ADUs & multiple structures.

Front house plus accessory dwelling unit, guesthouse, converted garage, or detached rental cottage.

LLC, trust, or corp ownership.

Properties titled to an entity, with the right named-insured structure and additional-insured language.

DSCR loans, refis & closings.

Evidence of insurance, lender binders, and loss-payee endorsements coordinated to your closing date.

Small rental portfolios.

Three to twenty doors across one or several states — placed cleanly, renewed on the same schedule when possible.

Select short-term & furnished rentals.

STR, Airbnb, Vrbo, and furnished mid-term rentals when the property and use qualify with available carriers. Reviewed case by case — not our lead product, but absolutely a use case we write.