Real Estate Investors Program

Real estate investors need scalable, streamlined insurance solutions—especially when managing large portfolios across multiple states. Wholesure’s Real Estate Investor (REI) program delivers single-policy coverage for clients with 10 or more residential rental properties, offering property and general liability protection in one cohesive package. Whether your client is a private investor, LLC, or property management firm, our REI specialists simplify the process with flexible terms, online tools, and AM Best A-rated carriers, helping ensure smooth protection through every acquisition, sale, and lease.

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Coverage Details

  • Dwelling structures, business property, and loss of rents up to $1M per building and subject to aggregate (single event) maximums
  • Premises liability for the landlord, at $1M per occurrence
  • Medical Payments at $5k
  • “All Risk” coverage form (subject to policy exclusions)
  • Replacement cost coverage form

Key Highlights

  • Properties can be long-term rental dwellings, rehabs, or “Buy and Flip” investments
  • Dwelling structures up to 4-unit (quad-plex) are eligible
  • Coverage is available in all states, except Florida
  • Coastal locations (Tier 1) in AL, GA, LA, MS, NC, SC, and TX are not eligible. Coastal locations in other states should be referred to your underwriter

Eligible Occupancy

  • Owned residential properties, occupied by tenant; 1-4 units
  • Single condominium units
  • Capacity is limited in coastal locations

Other Requirements

  • Minimum property valuation $100 per square foot, subject to local cost index factors
  • Per property, per occurrence deductible options
    • $2.5k, $5k, $10k, $20k
  • Per property, per occurrence Windstorm/Hail deductible options
    • 2%, 3%, 5%, and 10%

Types of Properties

  • Residential homes (1–4 units)
  • Single apartment or condo units
  • Vacant land
  • Vacant homes

Ownership Structures

  • Individuals / Private investors
  • Corporations
  • LLCs
  • Family trusts
  • Property management firms
  • Portfolios with multiple named insureds or entities

Property Uses

  • Long-term rentals
  • Short-term rentals (longer than 3 months)
  • Buy & sell / house flippers

Geographic Scope

  • Single-state portfolios
  • Multi-state portfolios

Minimum Qualification to Submit

  • 10 or more properties
  • $1 million Total Insured Value (TIV) minimum coverage amount