Insurance guides for investors and lenders
Plain answers to the questions that hold up closings.
DSCR Loan Insurance Requirements: What Your Lender Will Ask For
What DSCR and rental-loan lenders require on the insurance: landlord (DP3) coverage, dwelling amount, loss of rents, liability, deductible caps, the mortgagee clause and flood.
Fix-and-Flip & Hard-Money Loan Insurance: Builders Risk, Vacant or Landlord?
Which policy a fix-and-flip or hard-money lender expects during a rehab - builders risk, vacant dwelling or landlord - and what to send for a same-day quote.
Mortgagee Clause and ISAOA/ATIMA Explained
What a mortgagee clause is, what ISAOA/ATIMA means, and why the wording on the evidence of insurance has to match the lender's exactly.
Evidence of Insurance for Closing: What Lenders Check
The documents a lender wants before closing - evidence of property insurance, certificate of liability, flood evidence and the invoice - and what they check on each.
Builders Risk vs. Vacant Property Insurance: Which One Do You Need?
The difference between builders risk and vacant dwelling insurance for investors - when each applies, what each covers, and what lenders accept.
Replacement Cost Estimate (RCE): Why Lenders Ask and How It Sets Coverage
What a replacement cost estimate is, how it differs from market value and the loan amount, and how lenders use it to set the dwelling coverage.
Short-Term Rental (Airbnb/VRBO) Insurance on a DSCR Loan
Insuring an Airbnb or VRBO on a DSCR loan: why many landlord policies limit nightly rentals and what the lender still expects on the evidence of insurance.
BRRRR Insurance: The Right Policy at Each Stage (Buy, Rehab, Rent, Refinance)
Which insurance a BRRRR investor needs at each stage - vacant or builders risk while buying and rehabbing, landlord once rented, and a new evidence at refinance.
FEMA Flood Zones Explained: When a Lender Requires Flood Insurance
What FEMA flood zones A, AE, V, VE and X mean, when a lender requires flood insurance, how the zone is determined, and NFIP versus private flood limits.
Hurricane, Named-Storm and Wind/Hail Deductibles Explained
How percentage hurricane, named-storm and wind/hail deductibles work in coastal and hail states, how to work one out, and why it matters against a lender's deductible cap.
Small Multifamily Insurance: Insuring a 5-15 Unit Apartment Building
How an investor insures a 5-15 unit apartment building: commercial property instead of a dwelling policy, loss of rents, liability, and what underwriters and lenders ask for.
What Is an ACORD 27? Evidence of Property Insurance Explained
What an ACORD 27 evidence of property insurance shows, what it does not do, how it differs from the ACORD 25 and 28, and why lenders reject one.
Texas Coastal Windstorm Insurance for Real Estate Investors
How wind and hail coverage works for investment property on the Texas coast: wind exclusions, TWIA or private wind, windstorm inspections, and what lenders want.
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Send the address and your lender's details - we quote with several carriers at once and send the evidence of insurance to your lender. Or call 512-801-8702.