Frequently Asked Questions

Landlord Insurance

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QUBIE is a proprietary software portal developed by SES that offers brokers the ability to instantly quote and bind a policy for their clients’ 104 unit dwelling coverage.

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There are many reasons why real estate investors need landlord insurance to protect their property portfolio. Although states don’t require it, lenders and financers may require this protection if there’s mortgage on the property.

Here are 10 reasons property owner insurance makes sense.

Protect Assets and Cover Potential LossesRegardless of its size, a rental property is an asset that needs to be protected. Just as homeowners protect their living space with home insurance, real estate investors and property owners need financial protection to help recoup their potential losses in the event something unexpected happens.
Ensure Adequate Liability CoverageAnybody who rents a space to someone else assumes some level of liability if they are hurt or killed while on that property. Liability will help pay for attorney’s fees, court costs and a settlement if it comes to a lawsuit. Liability can also help pay for medical care for an injured person.
Cover Personal Property and BuildingsMost proprietors keep some personal property on the premises. This can take the form of a lawnmower or other lawn equipment and a shed or building to keep it all contained. Landlord’s insurance covers outbuildings and the owner or landlord’s personal belongings.
Protect Against Theft and Damage to Tenants' BelongingsMost renters will assume responsibility for their own belongings with renters insurance and a landlord has the right to require tenants to acquire that form of protection. However, a landlord policy may also help if a tenant loses their property due to a mishap caused by inadvertent landlord negligence.
Ensure That Coverage Is Available For Seasonal RentalsAll property owners and developers dread that off-season stretch when their rental units are located in a tourist destination. Property owner insurance will help to ensure money keeps coming in during those dry times, so the real estate investor’s income source doesn’t stop.
Protect Against Hurricane DamageReal estate investors and developers who build in hurricane-prone areas can add a rider to their landlord policy to help pay for storm damages caused by a hurricane. After all, people still need housing even if they live and work in an area known for storms.
Ensure Professional Liability Insurance Is In PlaceWhen dealing with tenants, anything can go wrong. Your tenants hold you to a high standard and you need protection against any errors or mistakes that may occur. Landlord coverage protects you from any suits you or your business might encounter.
Cover Against Natural Disasters And Property DamageNatural disasters can wreak havoc on rental properties, even putting landlords and REI out of business while repairs are completed. A landlord insurance policy with the appropriate riders can help deal with those costs, so the income stream is not interrupted.
Provide Coverage for Liability Arising From Injury to TenantIf someone slips on a rain-wet path at an apartment building property, the liability limits in a landlord insurance policy can mitigate personal financial disaster. Anytime a tenant, or their guest, is injured on the property, liability helps cover losses.
Ensure That the Insurance Policy Is Tailored To The Needs Of The BusinessSES offers landlord insurance policies tailored to the real estate investor and developer. There is no one size fits all in this business.

Single Family Programs

Multifamily Programs

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Here are 10 reasons property owner insurance makes sense.

Protect Assets and Cover Potential LossesRegardless of its size, a rental property is an asset that needs to be protected. Just as homeowners protect their living space with home insurance, real estate investors and property owners need financial protection to help recoup their potential losses in the event something unexpected happens.
Ensure Adequate Liability CoverageAnybody who rents a space to someone else assumes some level of liability if they are hurt or killed while on that property. Liability will help pay for attorney’s fees, court costs and a settlement if it comes to a lawsuit. Liability can also help pay for medical care for an injured person.
Cover Personal Property and BuildingsMost proprietors keep some personal property on the premises. This can take the form of a lawnmower or other lawn equipment and a shed or building to keep it all contained. Landlord’s insurance covers outbuildings and the owner or landlord’s personal belongings.
Protect Against Theft and Damage to Tenants' BelongingsMost renters will assume responsibility for their own belongings with renters insurance and a landlord has the right to require tenants to acquire that form of protection. However, a landlord policy may also help if a tenant loses their property due to a mishap caused by inadvertent landlord negligence.
Ensure That Coverage Is Available For Seasonal RentalsAll property owners and developers dread that off-season stretch when their rental units are located in a tourist destination. Property owner insurance will help to ensure money keeps coming in during those dry times, so the real estate investor’s income source doesn’t stop.
Protect Against Hurricane DamageReal estate investors and developers who build in hurricane-prone areas can add a rider to their landlord policy to help pay for storm damages caused by a hurricane. After all, people still need housing even if they live and work in an area known for storms.
Ensure Professional Liability Insurance Is In PlaceWhen dealing with tenants, anything can go wrong. Your tenants hold you to a high standard and you need protection against any errors or mistakes that may occur. Landlord coverage protects you from any suits you or your business might encounter.
Cover Against Natural Disasters And Property DamageNatural disasters can wreak havoc on rental properties, even putting landlords and REI out of business while repairs are completed. A landlord insurance policy with the appropriate riders can help deal with those costs, so the income stream is not interrupted.
Provide Coverage for Liability Arising From Injury to TenantIf someone slips on a rain-wet path at an apartment building property, the liability limits in a landlord insurance policy can mitigate personal financial disaster. Anytime a tenant, or their guest, is injured on the property, liability helps cover losses.
Ensure That the Insurance Policy Is Tailored To The Needs Of The BusinessSES offers landlord insurance policies tailored to the real estate investor and developer. There is no one size fits all in this business.

Resident Pro Tenant

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QUBIE is a proprietary software portal developed by SES that offers brokers the ability to instantly quote and bind a policy for their clients’ 104 unit dwelling coverage.

Lorem ipsum dolor sit amet consectetur adipisicing elit. Ex labore dignissimos, delectus pariatur natus, odio iste animi saepe fugiat adipisci sit hic similique eaque repudiandae?

Master Trust Programs

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