Southgate specialty
Real Estate Investor Insurance
Rental portfolios, flips and mixed-use assets need coverage arranged around the schedule, not a single address.
The program
Coverage that answers the question a claim actually asks.
Whether you own two duplexes or a spread of commercial assets, the risk is in the schedule and in the leases. We build investor programs that cover the whole portfolio, accommodate tenant transitions, and keep premiums rational as you acquire.
Investment Property (DP-3)
Rental dwellings and small commercial assets covered on a landlord-appropriate form.
Commercial Property & Excess
Larger assets and portfolios placed with limits that match replacement cost.
General Liability
Premises and landlord liability with habitability and assault-and-battery considerations.
Builder's Risk & Renovation
Coverage during rehab, including materials and short-term vacancy.
Vacancy & Course of Construction
Endorsements that keep coverage intact during turnover and renovation.
Umbrella & Portfolio Liability
A single excess layer sitting over the entire schedule of properties.
Complexity breakdown
Where this coverage usually fails — and how we close it.
Vacancy exclusions triggered
Endorsements written to survive tenant gaps
Portfolio schedules drifting
Annual schedule reconciliation so nothing is uninsured
Loss of rents
Rental income coverage calibrated to actual leases
Let's price your real estate investor insurance.
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