What We Provide

REIAsure helps you find the right insurance for your real estate investment, at the right price. Whether you have one single-family home or an entire portfolio of homes and apartments, REIAsure’s specialists can take the hassle and expense out of organizing insurance.

Landlord’s Insurance

Comprehensive, packaged coverages for Vacant/Rental Dwellings Fire, Windstorm and Liability. Packages are built to maximize your cash flow with monthly premium payment plans. Flood and Earthquake Insurance Available. On-line Status Reports.

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Comprehensive Property and Liability Coverage for your Investment Property. Simplistic Underwriting (No photos or inspections required), ACV or RCV options available, Special Form Including Theft & Windstorm Coverage. 24/7 On-Line Access to quote, bind and print certificates of coverage.

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Discover the perfect real estate insurance coverage for portfolio managers at the best rates, with a team of seasoned experts dedicated to simplifying the insurance process. Licensed nationwide, we serve over 500 lenders/servicers and 3,000+ investors, ensuring peace of mind for properties across the U.S. No portfolio is too large; no property is too small.

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Disability Income Protection

Individual disability insurance is income continuation or replacement income. If you are injured or become ill, your disability benefit will replace a percentage of your income while you’re unable to work. Income protection insurance pays you so you can pay your mortgage or rent, buy groceries, and meet other ongoing living expenses.

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Health Insurance

LIG is your partner for affordable and comprehensive health insurance and pharmacy solutions designed exclusively for individuals, families, business owners, and their employees. Coverage is available nationwide.

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Frequently Asked Questions

What is so important about Loss of Rents?

You depend on the income from your rental properties for your livelihood. You rely on growth and cash flow, which is primarily generated from rents from different properties in your portfolio. When damage occurs or repairs are delayed, you lose money. Having a loss of rent insurance coverage is the only way to protect the money.

Loss of rents coverage will insure lost income from damage caused by certain hazards, such as storms and fires, up to the policy limit. Loss of rent, normally up to 12 months, will be reimbursed. Loss of rent coverage excludes some damage to property. For example, most policies exclude loss of rent coverage for flood or earthquake damage. Loss of rent coverage will not respond to damage due to negligence from the property owner. For example, if a home becomes uninhabitable due to mold resulting from a leak the owner failed to repair, then the policy would most likely not cover the related loss of income. Our real estate investor insurance experts are ready to discuss this coverage in detail and help make sure your policy protects your future income.

A flat deductible is a specific dollar amount identified in the policy, which applies to each loss. For example, if we assume you have a property policy with a $5,000 deductible and a total limit of $500,000, and your home sustains a $100,000 loss due to a fire, then you will receive a $95,000 claim payment (if no coinsurance exists). This is determined by subtracting the deductible from the loss amount.

A percentage deductible applies to perils that can cause catastrophic losses, such as hurricanes or earthquakes. These percentage deductibles are especially common in areas subject to a particular peril, such as hurricanes in coastal areas. In another example, if we assume your policy has a five percent hurricane deductible, the same $500,000 total limit, and sustains a $100,000 loss from a hurricane, then the claim payment would be $75,000. This is determined by subtracting the deductible, $25,000 (5% x $500,000) from the loss amount.

Insurance policies typically have two different types of deductibles, flat and percentage.

The applicable deductibles can vary based on the level of risk exposure for the real estate investment. Increasing both deductible types will reduce premiums. We have many years of experience understanding deductibles and are here to help you consider what deductibles may be best for your particular real estate investments.

A general liability policy’s purpose is to provide financial protection based on the third-party liability risks associated with an investment property. After an investor purchases the first SFR (single-family residence) investment home, they will most likely purchase a general liability policy to protect against third-party claims. As the investor grows their portfolio, a desire to reduce premium costs might induce an investor to add additional SFRs to a single general liability policy.

Assuming you purchase a general liability policy with a one million dollar limit based on one SFR (single-family residence) investment property, and over the course of the next year, you add four additional single-family investment homes, your actual exposure to a third-party liability claim would be significantly higher with five homes.

In addition, while a policy limit of one million is adequate for one home, if you experienced a large claim at one location, then your policy limit will erode, and it’s likely that it won’t be adequate protection against future claims.

Whether you have one SFR investment or one hundred SFR homes, our team is ready and available to help you review your general liability policy structure and determine the best fit based on your needs as a real estate investor.

Alleviate the uncertainty and rest assured that you are covered.

What our clients say

I love Arcana. When I need insurance, REIAsure helps me get it done right away. I just put in the amounts I need, pay, and print. No inspections or pictures, even if vacant or rehabbing. No red tape… just coverage. – Anna Mills, Toledo REIA