Lineage Insurance

The insurance your rental property actually needs

Most investors either overpay, underinsure, or both. Coverage built for rental investors, placed before you close.

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Why it matters

Insurance protects your cash flow, not just your property

What rental investors need
  • Dwelling coverage for property damage
  • Liability protection against tenant injuries
  • Loss of rent when property is uninhabitable
  • Personal property coverage (furnished units)

Standard homeowner’s policies explicitly exclude income-producing properties. When an investor tries to claim on damage to a rental, the carrier denies it. By then, you’re dealing with property damage and no coverage.

If a tree falls on the roof, insurance pays for the repair and covers your lost rent while the property is uninhabitable. Without it, you’re writing a $15,000 check and losing $1,400/month in rental income until it’s fixed.

Your mortgage lender requires it, but the real reason it matters is cash flow protection. Investors need a different kind of protection. It’s not just about property damage. It’s about the income you lose when a property is uninhabitable, the liability exposure from tenants, and the risks that come with managing rental properties.

Process

Three steps. Done before you close.

Your Insurance Advisor coordinates coverage alongside your acquisition, lending, and property management. One team, not four providers.

Step 1
We review your property and recommend coverage
Your policy covers the structure, liability, and lost rent. Not the generic homeowner’s policy that gets your claim denied.
Step 2
Insurance is placed at closing
Your policy is bound before the closing date. No separate shopping, no gaps in coverage, no delays to your timeline.
Step 3
One fewer provider to manage
Insurance is coordinated with your acquisition, lending, and property management. One team handling it all.
Coverage

What’s included

Every policy is structured for investment properties, not homeowners.

Dwelling Coverage
Fire, theft, wind, vandalism. The foundation of rental property insurance and the most frequently claimed coverage type.
Liability Protection
Tenant or visitor injury lawsuits, medical expenses, legal costs. Most investors underestimate this until they need it.
Loss of Rent
If the property becomes uninhabitable, this reimburses the rental income you would have collected. Protects your cash flow during recovery.
Personal Property
For furnished units: appliances, furniture, fixtures. We cover long-term and mid-term rentals (45+ days). Short-term not covered.
Additional Coverages
Flood, earthquake, and equipment breakdown, depending on property type and location. We recommend coverage based on your property and location.
Avoid these

Three mistakes rental investors make

Each one costs more to fix than the premium you’d pay to prevent it.

Using a homeowner’s policy on a rental
You think insurance is insurance. Then you have a claim, and the carrier denies it because the policy explicitly excludes rental properties.
Underinsuring to save on premiums
Cutting coverage limits to save a few hundred dollars a year creates catastrophic risk. One major claim can wipe out years of savings.
Never reviewing coverage
Property values change. Rents change. If you’re not reviewing coverage, you’re either over-insuring or under-insuring by default.
FAQ

Frequently asked questions

No. It’s available as part of your transaction workflow, but not required. Most investors use it. It’s faster, usually more cost-effective, and the coverage is designed for rental property from the start.

Typically $800 to $2,000 per year, depending on market, property, coverage limits, and deductible. We provide accurate quotes during the acquisition process.

Illustrative range. Actual premiums vary by market, property type, and coverage.

A-rated carriers specializing in investment property. Predetermined rates by property type and region, standardized terms, binding process built for speed. We work in the surplus lines market for flexibility.

We can review your existing policy. Often, investors discover their policy is inadequate or providing coverage they don’t need. We’ll help you optimize.

Protect your investment

Get reliable coverage at the right price. Start with a quote tailored to your property or portfolio.

Talk to an Insurance Advisor