Customized Insurance for Real Estate Investors 


The real estate investment industry is ever changing and requires an unique approach to portfolio management. As property occupancy changes or the portfolio holdings evolve into different areas you need a product that can affordably protect your investment. For streamlined and convenient insurance management MIG can help. We have recently partnered with top insurance companies to create a program to house all your properties on one master insurance program. You can easily add and delete properties as you buy and sell from your portfolio. With the efficiency of automated integration with property management systems and other third party platforms. 

We can work with property managers to help their clients by managing the insurance needs all on one platform OR we can work with individuals who have a portfolio they want to manage directly through us. We specialize in custom created platforms to assist our clients specific needs. Coverage is provided on a master policy basis with either a monthly reporting option or an annual policy that holds a common expiration date for every property in the portfolio. 

If you are interested in a quote or need more information please click the email link below or call Russ directly at 865-963-1224

Russ Rymer

Vice President of Sales

Direct: 865-963-1224 

Real Estate Investor Master Policy Coverages


1. Property Types

1-4 unit dwellings
Small apartments (with pre determined allowable max TIV)

2. Limits

$500,000 per location up to $15,000,000 per location

Coverage is ultimately for the value stated for each property

3. Replacement Cost Valuation

For single family residential properties (1-4 unit) SES is looking for a value of $75 per sq ft.

4. Deductibles

Range from $1,000 to $25,000 per location, per occurrence
Separate deductibles for wind/hail, named storm, EQ, Flood, etc.

5. Basic Coverage Summary

Special Causes of Loss (ISO based forms widely used)
Earthquake – if requested
Flood – if requested
Named Storm

When part of primary package policy and not on a separate DIC cover, EQ, Flood, and Named Storm will have separate, higher deductibles and often capped losses

Builder’s Risk for homes under renovation – not new construction (additional)
Business Personal Property (can be included)
Business Income (coverage for loss of rents can be included)

6. Excluded Causes of Loss

Excluded causes of loss can differ from portfolio to portfolio and will be at the discretion of the underwriter


1. Limits can vary per policy – generally offered limits are as follows:

$2,000,000 general aggregate
$1,000,000 per occurrence
$100,000 any one fire
$5,000 med pay per person

2. Excess Coverage

Excess limits range from$1,000,000 to $25,000,000 with potential for limits up to $100,000,000
Coverage most often for strict excess commercial general liability

3. Deductibles

Range from $0 – $10,000 per occurrence Basic Coverage Summary

4. Basic Coverage Summary

ISO based Commercial General Liability coverage/forms

5. Excluded Causes of Loss

General pollution, war, nuclear, etc. exclusions are present and can vary per policy