Liability insurance for investment properties
Liability insurance can protect your investment from third party claims that occur at your property. Even if you decide to self-insure your property exposure, you should never go without liability coverage. National Real Estate Insurance Group offers real estate investors the ability to purchase liability-only coverage for their investment properties.
Submit your property information using our online proposal request, and receive a custom proposal. An agent will contact you to go over your insurance options and help you choose the best coverage for your business.
Start a proposal request to get liability insurance coverage today!
What does liability
Liability coverage is needed to help protect your real estate investment from claims that occur at your property. Examples include:
- Accidental injury on the premises
- Wrongful death
- Medical expenses if someone is injured on the property
- Defense costs if someone is injured on your property
The following options are available for dedicated per property limits:
- $1,000,000 per occurrence/$2,000,000 annual aggregate
- $1,000,000 per occurrence/$5,000,000 annual aggregate
- $2,000,000 per occurrence/$5,000,000 annual aggregate
The following coverages are excluded from your premises liability policy. Ask your agent if you would like to purchase the following coverages separately:
- Products and Completed Operations
- Faulty Construction
- Workers Compensation
- Errors and Omissions Insurance (E&O)
How much does liability insurance cost?
Whether you buy and hold, or fix and flip, you will have an increased exposure to liability claims as a real estate investor. Liability insurance provides coverage for those exposures and can protect your investment. For as low as $7 per unit, per month, you can purchase $1,000,000 per occurrence and $2,000,000 aggregate limits of liability. Higher limits are available.
Can I buy liability insurance as a stand-alone option?
Yes, you can purchase liability insurance as a stand-alone option. Because of our monthly reporting form, you can pay for coverage monthly with no minimum earned premiums. Request a proposal or call 888.741.8454 to discuss your liability only proposal with one of our licensed insurance professionals.
Add more coverage to liability insurance
You will need property coverage if you would like to protect it against fire, lightening, windstorm, theft and other direct physical damage to the property. National Real Estate Insurance Group has coverage options to help protect all types of investment properties. Ask your agent to discuss property coverage to limit your exposure.
Need to speak to an agent?
Please give us a call at 888.741.8454 to speak to a licensed insurance professional. If you would like to discuss your specific location, please request an insurance proposal and one of our agents will contact you shortly.
Want to learn more about liability insurance?
Read one of our articles about liability insurance or go to our Resource Center to learn more about different insurance topics.
Is It Covered? Liability for Non-Covered Items
For the most part, if an item is excluded from the Property Coverage on your property, it is likely not [...]
Is It Covered? Dog & Animal Limitations
As an investor, your Property Coverage protects against damage that happens to your investment property itself (i.e. the physical [...]
Understanding Umbrella Policies
The umbrella liability policy. One of the most misunderstood concepts in insurance for real estate investors. Even among insurance professionals, [...]
Why You Shouldn’t Insure Investment Properties Under Your Homeowner’s Policy
Insuring your investment properties for liability under your homeowner's policy is a common mistake for many new investors. Many will [...]