Real Estate Investor & Rental Portfolio Insurance
Five rentals on five policies with five renewal dates is how portfolios leak money. We consolidate Colorado investor portfolios into master programs with one schedule, one renewal, and pricing that reflects the whole book, not each door in isolation.
How a portfolio program works
Once you pass a handful of doors, scheduled portfolio programs beat one-off landlord policies on price, coverage consistency, and administration.
- One master schedule: every property listed once, added or removed as you buy and sell, often with monthly reporting instead of mid-term rewrites.
- Consistent forms: the same special-form property coverage and liability limits on every door, no surprise ACV-only policies hiding in the stack.
- Loss of rents across the schedule.
- Entity-correct named insureds: LLCs, partnerships, and personal names structured so the right entity is covered at every property.
- Renovation and vacancy coverage for value-add projects and flips, plus builders risk when a rehab goes past cosmetic work.
- Portfolio umbrella over the whole schedule, usually far cheaper than raising limits door by door.
When to switch to a portfolio program
The math usually starts working around four to five doors, and gets compelling past ten. One rental? You likely want a personal-lines landlord policy instead, and we will tell you so.
Mixed portfolios welcome
Single-family rentals, condos, small multifamily, and the odd commercial building can often live on one program. We structure around what you actually own.
Short-term rentals in the mix
Airbnb and VRBO doors need occupancy-correct coverage. See our short-term rental insurance page, then let us fold them into the portfolio properly.
Portfolio insurance FAQs
Will a portfolio program actually save me money?
Frequently yes, but the bigger wins are coverage consistency and administration. One renewal, one invoice, one certificate process for lenders, and no orphan policies with wrong entities or ACV roofs discovered after a loss.
How do acquisitions work mid-term?
New properties are added to the schedule by endorsement, often with same-day evidence of insurance for closing. That speed matters when you are competing on close dates.
What about properties in other states?
Many portfolio markets write multi-state schedules. Tell us the full footprint and we will place it accordingly.
What do portfolio lenders require for insurance?
Per-property coverage evidence, blanket or scheduled limits that satisfy loan covenants, and the lender named correctly on each door. We produce lender-ready schedules and certificates so refinances and acquisitions close on time.
Can flips and rehabs live on my portfolio program?
Active renovations usually ride on dedicated vacant and builders risk coverage until stabilized, then roll onto the portfolio schedule. We manage that handoff so nothing falls between policies.
Do you write out-of-state properties on Colorado portfolios?
Yes, many portfolio markets accept multi-state schedules. Tell us the full footprint, including states you are eyeing next, and we will pick a program that grows with you.
How should my LLCs be named on the policy?
Every owning entity should appear exactly as titled, with a structure that covers managers and members appropriately. Entity mismatches are the most common coverage-voiding error we find when reviewing investor policies from elsewhere.
Get your portfolio reviewed
Send your property schedule and current policies. We will show you what a consolidated program looks like.