Whether you own a rental home, apartment building, office, retail location, or mixed-use building, Insurhaus can help build an insurance program around the property.
START YOUR QUOTECommercial real estate is a significant investment, and every property presents different risks. Whether you own a rental home, apartment building, student housing property, office, retail location, restaurant, warehouse, or mixed-use building, Insurhaus can help build an insurance program designed around the property, its occupants, and the income it generates.
We work with landlords, real estate investors, property managers, developers, restaurant owners, and other business owners to protect their buildings, rental income, business property, and liability exposures.
Insurance solutions are available for:
Depending on the property and its use, coverage may include:
Standard homeowners insurance is generally not designed for properties rented to others. Landlord insurance can help protect the building, landlord-owned property, rental income, and liability associated with owning and leasing the premises.
Coverage can be arranged for a single rental home, multi-unit building, or a larger real estate portfolio. We can also review vacancy, short-term rental, renovation, and property-management exposures that may require specialized coverage.
Student housing presents unique risks due to frequent tenant turnover, multiple unrelated occupants, increased property use, and specific lease arrangements. Standard landlord policies may not adequately address these exposures.
Insurhaus can help arrange coverage for:
Coverage may include the building, landlord-owned furnishings, premises liability, loss of rental income, equipment breakdown, water damage, vandalism, and additional liability protection. Coverage availability and requirements depend on the property, occupancy, lease structure, and insurance company guidelines.
Apartment buildings and multi-family properties require insurance that considers the building’s age, construction, occupancy, updates, loss history, tenant profile, amenities, and overall condition.
Coverage may include the building, common areas, landlord-owned contents, loss of rental income, equipment breakdown, premises liability, and additional limits through a commercial umbrella policy.
Coverage for office, retail, and mixed-use properties should reflect how each space is occupied and operated. Restaurants, medical offices, salons, retail stores, and other tenants may create different property and liability exposures.
Insurhaus reviews building occupancy, tenant operations, lease requirements, fire protection, renovations, and property updates to help identify suitable insurance options.
Restaurants have specialized property exposures involving cooking equipment, fire suppression systems, refrigeration, food spoilage, water damage, customer injuries, and interruption of operations.
Available protection may include:
Vacant and renovation properties often require specialized insurance. Standard policies may restrict or exclude coverage when a building becomes vacant or undergoes significant construction.
Insurhaus can assist with coverage for vacant commercial buildings, vacant homes, renovation projects, property rehabilitation, and builder’s risk exposures.
Insurance requirements and pricing depend on the building’s location, age, construction type, roof condition, electrical and plumbing updates, occupancy, tenant operations, protection systems, claims history, and replacement cost.
As an independent insurance agency, Insurhaus compares options from multiple insurance companies and provides personalized guidance based on your property and investment goals.
Protect your property, rental income, and real estate investment with coverage designed for the way you own and operate it.
Tell us what you need and an Insurhaus advisor will help you review available options.
