Real Estate Investor

Residential Real Estate Investor

Available in: All 50 states

Written by Palomar General Insurance Agency, on a Non-Admitted “A-XV” Excellent AM Best Rated Insurance Company


  • Capacity: $1mm per property; coverage is to value stated for each property. Higher limits available with underwriter acceptance
  • $1mm per occ | $2mm gen agg | $1mm personal and advertising injury | $100,000 any one fire | $5,000 med pay


  • $2,500 -$25,000 AOP
  • Some states require a min deductible of $5,000 – discuss with the underwriter
  • 3% wind/hail for AL, AK, HI, IL, IN, IA, KS, LA, MS, MO, NE, NC, OH, SC, VA & WV and Tier 1 & 2 counties of GA, MD, NJ & NY
  • 5% wind/hail for FL, OK, CO, TX and Tier 1 & 2 counties of AL, FL, LA, MS, NC, SC, TX & VA
  • $0.00 for liability claims

Target Properties

  • 1-4 unit homes used as long-term rental properties. Includes individual condominium units but not the entire complex

Ineligible Properties

  • 5+ unit properties
  • Restaurants / Bars
  • Portfolios with loss ratios exceeding 40% over 3 years
  • Portfolios with fewer than 5 properties (unless in MO & TX where the limit is 10)
  • Properties that are brush exposed
  • Properties that are within 100 feet of each other with a TIV > $1mm
  • Portfolios exceeding 15% total vacancy

Contact us to learn more about our products and coverages