Real estate insurance built around your portfolio, not a checklist.

Coverage for every type of
real estate exposure.

• When your tenant's attorney calls

  Landlord & Rental Property

  A standard homeowner's policy isn't designed for rental property — and insurers know it. The moment a property is occupied by a tenant paying rent, the exposure profile changes: liability, habitability disputes, loss of income. Landlord insurance covers what a homeowner's policy excludes, and structures coverage around the actual risks of owning income-producing property. Whether you own one unit or a growing portfolio, the right landlord policy protects both the asset and the income it generates.

  What’s covered

  • Dwelling structure and detached buildings — replacement cost for covered physical loss
  • Loss of rental income when a covered loss makes the property uninhabitable
  • Landlord liability — bodily injury and property damage claims brought by tenants or visitors
  • Tenant damage beyond normal wear and tear, including willful destruction
  • Building code upgrade coverage for structures required to meet current codes after a loss

  Converting a homeowner's policy to a rental doesn't work — most carriers will deny a claim if the property is tenant-occupied and the policy isn't structured for it. Jami reviews every landlord client's full portfolio to make sure each property is on the right form at the right coverage level.

• The policy most real estate offices are missing

  Real Estate Office & BOP

  Real estate brokerages and property management companies carry risks that span their physical space, their operations, and every client who walks through the door. A Business Owners Policy consolidates commercial property and general liability into one policy built for small to mid-size real estate practices. It covers your office against physical loss and protects you against third-party claims — the foundation on which agent E&O and cyber coverage are layered. Most real estate firms need more than they realize and are paying for less than they think.

  What’s covered

  • Commercial property — office furniture, equipment, computers, and leasehold improvements
  • Business interruption — lost revenue if a covered loss forces your office to close
  • General liability — third-party bodily injury and property damage at your location or during operations
  • Cyber liability endorsement available for data breaches and client record exposure
  • Employed and non-owned auto coverage for agents driving on firm business

  Not all real estate firms qualify for a BOP — larger brokerages or those with higher revenues may require standalone general liability and property policies. Jami reviews each firm's profile to determine which structure provides better coverage at a lower total cost.

• When vacancy turns your standard policy off

  Vacant Property & Builder's Risk

  Standard landlord and homeowner policies typically exclude or severely limit coverage after a property has been vacant for 30 to 60 days. That gap hits investors at the worst possible moment — between tenants, during a renovation, or while a property sits listed. Vacant property insurance and builder's risk coverage fill that gap specifically. They cover the physical property and liability exposure during the exact window when a standard policy will deny the claim.

  What’s covered

  • Vandalism and theft — typically excluded under standard policies after 30–60 days of vacancy
  • Fire, wind, hail, and weather damage during vacant or renovation periods
  • Premises liability for trespassers, contractors, and unauthorized visitors on-site
  • Builder's risk for active renovations — materials, fixtures, and work in progress
  • Short-term policy terms available to match your actual vacancy or construction timeline

  Most investors don't discover the vacancy exclusion until after they file a claim and it's denied. The 30- to 60-day cutoff varies by carrier and policy form — Jami checks the exact language on every policy and flags the gap before it becomes a problem.

• When a board decision becomes a lawsuit

  HOA & Community Association

  HOAs are run by volunteer board members who take on real legal liability every time they vote on an assessment, enforce a bylaw, or hire a contractor. Community association insurance bundles the coverages an HOA actually needs — directors & officers liability, general liability on common areas, and property coverage for shared amenities — into a package built for how associations operate. Without D&O coverage, board members are personally exposed to homeowner lawsuits over any governance decision, regardless of whether they acted in good faith.

  What’s covered

  • Directors & Officers (D&O) liability — protects board members personally from governance-related claims
  • General liability for injuries on common areas — pools, playgrounds, parking lots, and walkways
  • Community property — clubhouses, fences, signage, gates, and other shared structures
  • Fidelity and crime coverage for employee dishonesty or board member embezzlement of association funds
  • Umbrella coverage available to extend limits above primary D&O and general liability policies

  D&O claims in HOAs most often arise from disputes over special assessments, architectural review decisions, or rule enforcement — actions board members took in good faith. Jami structures HOA packages so that both the association and individual board members have coverage in place before a dispute reaches litigation.