Equity Partners Insurance Services, Inc.

Property Investors Protection

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Target Classes

  • Residential Property Owners
  • Investors
  • Renovators
  • Property Managers

An Insurance Program designed for your insured

  • Dwelling:
  • - 5 or more dwellings
  • Family:
  • - 1-6 family dwellings & up to 12 unit apartments
  • Lessor's Risk:
  • - Some exposures & Insured Storage
  • Terms:
  • - 12 months
  • Valuation Options including Actual Cash Value, Replacement Cost & Partial Loss Settlements have the flexibility to amend your coverages monthly
  • Protection:
  • - 1-10 limit
  • Vacant Land
  • Basic, Broad or Special Form
  • No maximum number of properties
  • Deductible Options:
  • - from $1,000 to $25,000

Highlighted Features

No Maximum number
of locations

Separate wind/Hail deductibles
available with stop loss

Premises liability up to $2M with sublimits for swimming pool

Reporting form
options one policy
or one montly bill

No Minimum
dwelling limits

Coinsurance 80% or
no coinsurance options
with agreed amounts

Commercial vs Personal

What difference does it make?
Learn More
contact our team

How can we help you

Let our highly experienced UW team get you the quote you need today! Not sure we can write the coverage? Ask us! You would be surprised at what all we can write.

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Valuation & Loss Settlement Options

  • –>  At the time of the loss, the coinsurance provision will be enforced, subject to coinsurance amount selected.
  • –>  Total and partial losses will be settled on a Replacement Cost basis, subject to the coinsurance provisions.
  • –>  If this option is selected, the building’s insured value must be at least equal to the coinsurance percentage accepted
    cost estimation tool such as MSB or a formal contractor’s estimate of replacement cost.
  • –>  Approximately a minimum of $100/sq.ft. if no MSB provided.
  • –>  At the time of the loss, the coinsurance provision will be enforced, subject to coinsurance amount selected.
  • –>  Total and partial losses will be settled on a Replacement Cost basis, subject to the coinsurance provisions.
  • –>  If this option is selected, the building’s insured value must be at least equal to the coinsurance percentage selected
    times 100% Replacement cost value of the building less depreciation for age and condition as determined utilizing
    an industry-accepted cost estimation tool such as MSB, or a formal contractor’s estimate of replacement cost.
  • –>  Approximately a minimum of $100/sq.ft. if no MSB provided.

(Building written at Investment Value/Agreed Amount)

  • –>  At the time of the loss, no coinsurance provision will be applied.
  • –>  Total and partial losses will be settled on a Replacement Cost Basis, subject to policy limits.
  • –>  If this option is selected for the Building, the building`s insured value must be at least $35/sq.ft.

(Building written at Investment Value/Agreed Amount)

  • –>  At the time of the loss, no coinsurance provision will be applied.
  • –>  Total and partial losses will be settled on an Actual Cash Value basis..ft.

Monthly Reporting

  • Monthly Reporting with Monthly Billing.
  • Each Month is Fully Earned, as the reporting is done in arrears.
  • 1/12 of Premium/Taxes, along with 100% of fees due as Deposit.
  • Monthly Report Due by the 10th of each subsequent month for 12 months.
  • The 12th Month report is reconciled against the Deposit Premium.
  • Monthly Premium is shown for each individual location to the far right of the SOV.
  • If a location is deleted, the address will still show on the SOV for the remainder of the policy term, although a premium is not being charged, once it is deleted.