Insurance built for investment property.
Rentals, rehabs, ground-up builds, and vacant assets need coverage a standard homeowners policy won't provide. Our insurance partner quotes investor property nationwide — including property held in an LLC or owned by a foreign national.
At a glance
- Turnaround
- Same day
- Coverage
- 50 states
- Entity or foreign owner
- Yes
Everything an investor deal needs
Landlord / DP-3
Long-term and short-term rental coverage with loss of rents and liability.
Builders risk
Protects fix & flip and new construction projects through the build.
Vacant property
Fills the gap while a property sits empty between tenants or during rehab.
Flood
NFIP and private flood for properties inside and outside mapped zones.
Umbrella & liability
Excess liability layered across a portfolio of doors.
Foreign-national owned
Coverage for non-U.S. citizens and foreign-owned LLCs holding U.S. real estate.
Your loan can't close without it
- Every funded loan requires evidence of insurance before the closing table.
- The policy must list the correct mortgagee clause and loan number.
- Coverage amount has to meet or exceed the loan amount or replacement cost.
- The wrong policy type can void a claim on a tenant-occupied or vacant property.
- Portfolio investors can consolidate multiple doors under one program.
- Binding early keeps insurance off the critical path of your closing timeline.
Three steps to close
Request a quote
Use the link to send the address, purchase price, and project scope.
Compare options
Get carrier options priced for the actual use of the property.
Bind before closing
Issue the binder with our mortgagee clause and close on schedule.
Common questions
Do I need insurance before closing?
Yes. Every loan we fund requires evidence of insurance with Creative Lending USA named in the mortgagee clause before the file can close.
Is a normal homeowners policy enough?
No. A tenant-occupied rental needs a landlord (DP-3) policy, and a rehab or ground-up project needs builders risk. A standard homeowners policy can be denied at claim time on an investment property.
Can foreign nationals get coverage on U.S. property?
Yes. Our partner writes policies for non-U.S. citizens and foreign-owned LLCs on U.S. investment property, with no U.S. credit history required.
What if the property is vacant during rehab?
Vacant property and builders risk coverage handle that gap. A standard landlord policy can exclude losses while a home sits unoccupied.
How fast can I get a quote?
Most investors get quotes back the same business day after submitting the property address, purchase price, and project scope.
Pair it with the right loan
Creative Lending USA may receive a referral fee from partners you engage through these links. This does not affect your pricing.