Habitational & commercial property
Multifamily, single-family rental, retail, office, and mixed-use buildings.
- Blanket and schedule rating for portfolios
- Wind / hail deductible strategy
- Loss of rents and business income
Industries · Real estate
Insurance for real estate owners, managers, and brokerages
From a single rental property to a multifamily portfolio, we help real estate businesses protect assets, cash flow, and reputation.
Texas property is expensive to insure. Smart structure makes a difference.
Hail, wind, and freeze losses have pushed Texas property premiums higher and carriers tighter. We know which markets want real estate risks, how to present your portfolio, and how to structure deductibles, limits, and blanket coverage to control cost.
Real estate insurance solutions
General liability & umbrella
Protection against premises injuries and the large verdicts that can follow.
- Premises and operations liability
- Umbrella and excess limits
- Hired and non-owned auto
Real estate E&O
Professional liability for brokerages, agents, and property managers.
- Errors & omissions for brokers and agents
- Property manager professional liability
- Cyber coverage for wire-fraud schemes
Benefits for real estate teams
Attractive benefits for in-house staff, maintenance crews, and leasing teams.
- Group health and ICHRA options
- Workers’ comp for maintenance staff
- Voluntary benefits for agents
Why real estate clients work with us
Market access
Relationships with carriers that actively write Texas habitational and commercial property.
Lender-ready
Certificates, evidence of property, and lender requirements handled quickly.
Portfolio thinking
We look at total cost of risk across properties, not one policy at a time.
Acquisition support
Fast quotes and coverage guidance when you are under contract.
How we work
A clear process from first call to every renewal
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Discover
We learn your goals, workforce, budget, risks, and renewal dates — before we recommend anything.
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Analyze & benchmark
We review your current plans, policies, and claims history, and benchmark them against companies like yours.
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Market & recommend
We take your program to the market and present side-by-side options in plain language, with a clear recommendation.
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Implement & advocate
We handle enrollment, employee communication, claims help, and compliance — and stay with you all year.
Frequently asked questions
Why have property insurance costs increased so much in Texas?
Severe weather losses, higher construction and labor costs, and reinsurance pricing have all pushed premiums up. Structuring deductibles, updating property valuations, and presenting risk-improvement details to carriers can help manage cost.
Do property managers need their own insurance?
Yes. Even if owners carry property and liability coverage, property management companies need their own general liability, professional liability (E&O), and often cyber and crime coverage.
Get your real estate portfolio reviewed
Send us your schedule of locations and current policies. We will look for savings and coverage gaps.