Landlord & Real Estate Investor Insurance
As your portfolio grows, your insurance can get harder to keep track of: separate policies, different renewal dates, different limits. Investors with a schedule of properties often benefit from looking at the whole picture at once.
KB Insurance is a boutique independent brokerage. For over a decade, KB Insurance has been a boutique brokerage placing property, specialty and commercial risks, with creative solutions and a personal touch. We can help landlords and investors organize coverage across one property or many.
What's Generally Covered
Coverage depends on the carrier, the policy terms, and underwriting. For landlords and investors, options may include:
- Property coverage for each scheduled location
- General liability for the premises you own
- Loss of rents after a covered loss
- Umbrella or excess liability across your portfolio
- Blanket or scheduled limits across multiple locations, where available
- Vacant property options for buildings between tenants or under renovation
Who It's For
- Landlords with one to a few rental properties
- Real estate investors with a growing schedule of residential, mixed-use, or commercial buildings
- Owners who hold properties through one or more LLCs
- Investors who want to line up renewal dates or combine policies
What We Need to Quote
Start by entering one property address. You can add the rest after that. For a schedule of properties, it helps to have:
- A property list (a spreadsheet is fine) with addresses, unit counts, occupancy, and square footage
- Year built, construction type, and major updates for each location
- Ownership entities and any additional insureds or mortgagees
- Current declarations and loss history
- Any vacant or under-renovation properties
Why Work With a Broker
An independent broker can look at your portfolio across more than one market and explain the trade-offs between combining policies and keeping them separate. We keep things personal: one team that knows your schedule, and is there as properties are bought, sold, or renovated.
Start a Quote: enter a property address to begin. You can add the rest of your schedule after.
FAQs
Can I put all my properties on one policy?
Sometimes. It depends on the properties, the locations, and carrier appetite. We can help you compare a combined program with separate policies.
What is a schedule of properties?
It's a list of every location on a policy, with details like address, values, and occupancy. Keeping it accurate matters for coverage and pricing.
What happens when I buy or sell a property?
Contact us before closing, if you can, so we can help add or remove the location and meet any lender requirements.
Do vacant properties need different insurance?
Often, yes. Many policies limit coverage when a building is vacant. Tell us about any vacancies so we can review options.
My properties are in different LLCs. Is that a problem?
Not necessarily. We'll need the entity details to review how the options may be set up.