Vacant Property
Protection considerations while an investment property is unoccupied before or during work.
Fix & flip coverage
Coverage built around the renovation timeline.
Explore insurance considerations for a property that may be vacant, under construction and headed back to market—not occupied as a traditional home.
Coverage conversation
Protection considerations for a property in transition
Actual availability varies by carrier and underwriting. We help organize the project so eligible options can be evaluated accurately.
Renovation Risk
Coverage questions tied to the existing structure during an active remodel or rehabilitation.
Course of Construction
Ask about eligible protection for improvements, materials and work in progress.
Premises Liability
Review liability considerations related to owning and managing an active project site.
Project-Based Terms
Explore terms suited to the expected purchase, construction and resale timeline.
Investor Portfolios
Build a repeatable insurance process as you acquire and renovate additional properties.
Eligibility details
The scope of work matters
A cosmetic update and a structural rehabilitation do not present the same risk. Accurate information helps prevent a mismatch between the project and the policy being considered.
- ✓Property and ownershipAddress, purchase price, entity, financing and closing date.
- ✓Renovation scopeBudget, structural work, systems, permits and contractor involvement.
- ✓Occupancy and timelineVacancy, construction period, listing and anticipated resale.
Important distinctions
Coverage is not automatic
Terms, limits, deductibles, conditions and exclusions vary. Complete all required steps and receive confirmation before relying on coverage.
Describe the project
Share complete, current information about the property and planned work.
Review the terms
Understand what is included, excluded and required for the specific project.
Confirm placement
No coverage is bound through this website or by submitting a request.
Have a property under contract?
Send the address, rehab scope and timeline to start a focused quote conversation.