Protection that scales from one door to a portfolio.

Rental property insurance is where small coverage decisions compound: the wrong valuation basis, a missed liability limit, or an unscheduled location can erase years of cash flow. We build investor programs that grow cleanly — and stay accurate — as you acquire.

Coverage built for this industry

Landlord / Dwelling Fire

DP-1 through DP-3 policies matched to each property’s age, condition, and tenancy — with replacement-cost accuracy reviewed annually.

Loss of Rents

Income protection when a covered loss takes a unit offline — the coverage that keeps the mortgage paid while you rebuild.

Premises Liability

Slip-and-fall, dog-bite, and habitability exposures — with limits sized to your equity, not the policy minimum.

Vacant & Renovation Property

Standard policies quietly restrict coverage after 30–60 days of vacancy. We place vacant and under-renovation properties on forms built for them.

Portfolio & Habitational Programs

Schedules and master programs for investors past the one-off-policy stage — one renewal date, blanket limits, and per-location reporting.

Umbrella & Excess Liability

An extra layer above every location — the cheapest insurance an investor with equity can buy.

How Geneva works this class

Investor economics, understood

We quote with your cap rate in mind. Deductible levels, valuation basis, and coverage tiers are presented as cash-flow decisions with real numbers — not a single pre-built package.

Acquisitions without coverage gaps

Closing in two weeks? We bind new acquisitions fast, coordinate with lenders on mortgagee clauses, and fold the property into your program so nothing sits uninsured at recording.

One program, many properties

As you pass three or four doors, per-property policies get expensive and messy. We consolidate into schedules with blanket limits — usually saving money and always saving administration.

LLC and trust titling handled correctly

Properties held in LLCs, land trusts, or partnerships need the named insured to match the deed. We get the titling right — the detail that decides whether a claim pays.

Frequently asked questions

Should each LLC have its own policy?

Not necessarily. A master program can schedule properties across multiple LLCs with each entity named appropriately. What matters is that every titled owner appears correctly as a named or additional insured — we structure that with you and your attorney’s entity map.

Can you cover a property I’m flipping?

Yes — that’s a vacant-renovation risk, and it needs a builders-risk or vacant-property form, not a standard landlord policy. We place these routinely, including short terms matched to your project timeline.

My loss history has a claim. Will I still get good pricing?

One claim doesn’t define a portfolio. We present your full picture — improvements, tenant screening, loss context — and shop carriers that rate the property, not just the loss run.