Spot for Housing and Real Estate Companies

Get quotes from 50+ housing and real estate insurance providers with Spot

We get quotes for every address you own or manage, compare them with you and send certificates when a lender or tenant asks.

  • Owner, manager and platform roles kept distinct
  • Building, rent and tenant improvements valued properly
  • Keep your broker or switch, with no commissions on premiums
A property manager hands keys to a new tenant in front of a small brick apartment building.

How Spot helps Housing and Real Estate Companies

List every building you own or manage

Your Spot team records the owner, manager, occupancy, lease entity and rent collector for each building, and who owns installed systems, tenant improvements and property held for others.

Juniper PropertiesOrganized by Spot
Travelers
The Hartford
Chubb

Check the management agreement

Send the management agreement or lease. Spot compares the insurance it requires with your policies and flags where the owner’s and manager’s coverage don’t line up.

Commercial property insurance

Juniper Properties · Policy review

Policy wording
Valuation clause
Compare with
Declared values

Confirm with your broker

Replacement cost or actual cash value?

Compare quotes on lost rent and rebuilding costs

Brokers take your portfolio to market, and Spot compares rent triggers, valuation, deductibles and ordinance-or-law terms alongside the liability and professional proposals.

Chubb
The Hartford
TravelersQuote request

Commercial property insurance

Buildings · Business personal property

Juniper Properties

Keep every building’s policies in one place

Your policies, schedules and agreements stay together, and the Spot agent can answer which building a policy lists or what a clause says.

TaylorJuniper Properties

What do we need to request commercial property insurance quotes?

Let’s prepare the information for your broker and compare the terms, not just the price.

Commercial property insurance policy

Valuation · Deductibles

How buying insurance works for Housing and Real Estate Companies

  1. 01

    Tell us about your business

    Share what you do, where you work, the policies you have and any contracts that ask for insurance.

  2. 02

    We write up your application

    Spot turns it into an application that describes your business the way insurers need to see it.

  3. 03

    We get quotes from insurers

    Spot handles the procurement, sending it to the insurers and markets that cover businesses like yours and chasing every quote.

  4. 04

    Compare your quotes

    We put the quotes side by side on limits, exclusions and terms as well as price.

  5. 05

    Buy your policy and get certificates

    You choose. Spot places the policy for you, and certificates are ready when a customer or landlord asks.

Housing and Real Estate Companies we help

  • Landlords and building owners

    You own rental buildings, collect rent and need the structure, systems and lost rent described accurately.

  • Third-party property managers

    You manage buildings you don’t own, take on duties under each management agreement and may hold property for clients.

  • Housing and rental platforms

    Your software handles listings, applications, leases, payments or resident requests, along with the data behind them.

  • Owners planning renovations

    Unit additions and systems work need coverage for the existing building and the work in progress.

Insurance Housing and Real Estate Companies usually carry

The policies companies like yours are usually asked for, and when each one comes up.

  • Commercial property

    Your entity owns rental buildings or manages sites with tenant or client property.

  • General liability

    Residents, tenants, vendors, or visitors enter buildings you own or manage, or your staff inspect and maintain them.

  • Professional errors and omissions (E&O)

    You manage property for clients, provide leasing or valuation services, or operate a platform for listings, leases, or resident requests.

  • Cyber liability

    A housing marketplace or management platform stores tenant or owner data, processes rent, or depends on online access and payment systems.

  • Builders risk

    An owned or managed building enters renovation, unit additions, or systems work before occupancy.

  • Workers’ compensation

    You hire leasing, maintenance, inspection, or property operations staff.

Insurers that quote Housing and Real Estate Companies

Get quotes from 50+ housing and real estate insurance providers with Spot.

  • AIG
  • Alliance Risk
  • Amelia Risk
  • Aon
  • At-Bay
  • Beazley
  • Berkshire Hathaway Specialty Insurance
  • And many more

When Housing and Real Estate Companies need insurance

  • 01

    You’ve hired a property manager

    Share the management agreement, address and each entity’s duties so the owner’s building interest and the manager’s services are listed correctly.

  • 02

    You’re buying or refinancing a building

    A lender may ask for property and liability evidence. Settle values, named insureds and rent terms before closing.

  • 03

    You’re planning a renovation or unit addition

    Share the contract, parties, existing structure and schedule, and ask when the builders’ risk form starts and ends.

  • 04

    Your platform processes rent

    List data, payment flows, vendors and downtime dependencies before comparing cyber quotes.

  • 05

    You’re hiring maintenance or leasing staff

    Check workers’ compensation requirements where they work and confirm how each role is classified.

Questions from Housing and Real Estate Companies

Also known as real estate insurance, real estate company insurance, landlord insurance, rental property insurance, property management insurance, property manager insurance and apartment building insurance.

Is landlord insurance the same as property management insurance?

No. Landlord coverage protects the owner’s building, rent and premises liability; a property manager needs professional liability for the services it provides. When one company does both, Spot lists who owns and who manages each address so each policy names the right role.

Does an NFIP flood policy cover lost rent?

No. The NFIP General Property Form covers building and contents separately and excludes business-interruption and loss-of-use losses. Your Spot team asks the broker to confirm eligibility and terms for your building.

What is ordinance-or-law coverage?

It addresses certain costs triggered by enforcing building, zoning or land-use law after a loss. We ask each broker which costs their proposal includes.

How should a housing marketplace describe itself for a quote?

Describe the listing, application, lease, payment or maintenance tools, the data they hold, and what you promise customers. Professional liability and cyber applications may need separate descriptions.

What should our building list include?

List each building’s owner, manager and occupancy, and send your current policies, leases or management agreements and any upcoming projects. Your Spot team builds the submission from them.

Our broker insures the buildings. Can they handle the manager and platform policies too?

They can. Spot works alongside your broker across the portfolio and takes no commissions on premiums. If your broker doesn’t place professional or cyber coverage for property managers and platforms, you can switch to one who does.

Get insurance off your to-do list.

Get quotes from 50+ housing and real estate insurance providers with Spot. Keep your broker or switch, with no commissions on premiums.

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