Insurance Hub

Protect the asset. Preserve the cash flow.

Investor & Landlord Insurance Hub

TMG | Property Bestie is dual-licensed (Realtor® + Property & Casualty Agent)—so we align your purchase, lease terms, and insurance strategy from day one. Whether you self-manage or use our Tenant Placement Only service, we make sure your coverage supports your returns (not just your lender).

From Closing to Coverage™ is our investor-minded approach to insurance: we connect contract, lease, and policy so your asset, cash flow, and compliance are protected from day one.

Why Insurance Matters for Rental Assets

1

Cash-flow protection

The right policy helps cover rebuild costs and lost rent after a covered loss.
2

Lender + lease compliance:

Keep your loan conditions, HOA/CCR rules, and tenant insurance requirements aligned.
3

Risk transfer that fits your strategy

Long-term rental (LTR), mid-term, or STR/Airbnb each needs different endorsements.
4

Portfolio standardization

Consistent limits, deductibles, and templates across doors = fewer surprises.
5

Claims readiness

Clean documentation, photos, and vendor records speed up outcomes when it counts.

Coverage Checklist

Core

  • Dwelling (Replacement Cost vs. ACV)

  • Other Structures (sheds/garages)

  • Landlord-owned Personal Property (appliances/window units)

  • Loss of Rents / Fair Rental Value (target 12–24 months)

  • Premises Liability (≥ $1M) + Umbrella where appropriate

  • Medical Payments to Others

Common Endorsements

  • Water/Seepage/Backup (sump/sewer)

  • Service Line (underground pipes/wires)

  • Equipment Breakdown (HVAC, appliances, systems)

  • Ordinance or Law (code upgrades)

  • Vandalism/Malicious Mischief

  • Animal Liability (as needed)

Special Considerations

  • Short-Term Rental (STR/Airbnb): Business income coverage, proper occupancy class, host/guest liability, party risk; ensure policy explicitly allows STR use.

  • Flood & Wind/Hail: Often separate policies or deductibles; consider private flood vs. NFIP.

  • Title/Entity: Name insured should match deed (LLC/trust) and management structure.

Note: Platform “host guarantees” are not insurance. They’re limited programs and should not replace proper coverage.

Transition Triggers

(When to review or change coverage)

  • New purchase/closing or refinance

  • Vacancy beyond your policy’s limit (often 30+ days)

  • Tenant move-in/move-out or rent-ready work

  • Renovation or value-add (permits, scope changes)

  • Converting LTR → STR/MTR

  • Title changes (LLC/trust) or adding co-owners

  • New risk features (pool, trampoline, wood stove, short-term stays)

  • Major system/roof updates (often premium credits!)

How we help

2ee59838ae2a4a934ee6b5af088a4256f6ee586e-1200x528
Discovery & Risk Interview
Property profile, cash-flow goals, loan/HOA requirements, occupancy plan (LTR/STR).
background-remover-for-real-estate
Data Pack
Photos, upgrades, age of systems/roof, square footage, prior claims/loss runs.
Guide_Managing_Risks_in_Real_Estate_Investing_Blog_Header_Img
Market the Risk
We quote with investor-friendly carriers and compare forms, limits, and deductibles.
images
Recommendation
Side-by-side summary: premium, coverage highlights, exclusions, and our rationale.
images (1)
Binder, COI & Lender Docs
Seamless coordination at closing or renewal; additional insured/interested party where appropriate.
Real-Estate-Agent-vs-Insurance-Broker
Lease + Insurance Alignment
Renters-insurance requirement, pet liability handling, water-damage and smoke/CO policies, and addenda.
Why-You-Absolutely-Must-Send-Real-Estate-Review-1024x576
Annual Check-In
Renewal remarket (when needed), mid-year changes, and hands-on claims coordination.

What We Need To Quote

  • Property address, year built, square footage, roof/plumbing/HVAC ages

  • Occupancy type (LTR/STR/MTR), target rent, pet policy, pool/outbuildings

  • Deed/title name (individual/LLC/trust) + lender/HOA details

  • Prior policy declarations + 5-year loss runs (if applicable)

  • Renovation scope/timelines (if value-add)

Why work with us

One plan, fewer gaps

One plan, fewer gaps

We connect your real-estate transaction, lease terms, and coverage so nothing falls through.

Investor-minded underwriting

Investor-minded underwriting

We prioritize loss of rents and realistic deductibles that match your reserves.

STR expertise

STR expertise

Endorsements and carriers built for Airbnb/STR (not “homeowner” workarounds).

Documentation that wins

Documentation that wins

Photo logs, maintenance notes, and move-in reports tuned for claims.

Scale-friendly

Scale-friendly

Portfolio standards you can replicate across doors and markets.

FAQs

Yes—business income protection preserves ROI during covered repairs and speeds recovery.

We strongly recommend requiring it in your lease, with you listed as the interested party. It protects the tenant’s belongings and can respond to some tenant-caused losses.

Usually no. You’ll likely need a landlord/DP-3 or LRO/STR-appropriate policy so claims aren’t denied for occupancy misclassification.

No. Treat them as limited programs, not a replacement for real insurance.

If you have multiple doors or higher exposure, an umbrella can be a cost-effective way to increase protection above your base policy.

Investor Insurance Intake Form

Occupancy Plan & Rent
Risk Features