Insurance built for investment property.
Rentals, rehabs, ground-up builds and vacant homes need more than a homeowners policy.
Quoted nationwide, including LLC and foreign owners.
At a glance
- Turnaround
- Same day
- Coverage
- 50 states
- Entity or foreign owner
- Yes
Built for investor deals
Landlord / DP-3
Long-term and short-term rental coverage with loss of rents and liability.
Builder's risk
Covers fix-and-flip and new construction projects through the build.
Vacant property
Covers a property while it sits empty between tenants or during rehab.
Flood
NFIP and private flood for properties inside and outside mapped zones.
Umbrella & liability
Excess liability across your whole portfolio.
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 loan needs proof of insurance before closing.
- The policy must list the correct mortgagee clause and loan number.
- Coverage must meet or exceed the loan amount or replacement cost.
- The wrong policy type can void a claim on a tenant-occupied or vacant property.
- Multiple doors, one portfolio program.
- Binding early keeps insurance off your closing's critical path.
Three steps to close
Request a quote
Send the address, purchase price and project scope through the link.
Compare options
Carrier options priced for how the property is actually used.
Bind before closing
Bind the policy with your lender's mortgagee clause and close on schedule.
Common questions
Do I need insurance before closing?
Yes. Every loan needs proof of insurance, with the lender named in the mortgagee clause, before closing.
Is a normal homeowners policy enough?
No. A tenant-occupied rental needs a landlord (DP-3) policy. A rehab or ground-up build needs builder's risk.
A homeowners policy on an investment property can be denied at claim time.
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.
No U.S. credit history required.
What if the property is vacant during rehab?
Vacant property or builder's risk coverage. A standard landlord policy can exclude losses while a home sits empty.
How fast is a quote?
Same business day in most cases. Send 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.