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Stop Overpaying for Insurance

Stop Overpaying for Insurance

3 Ways Real Estate Investors Can Slash Their Premiums

Insurance is one of those invisible expenses that quietly eats into your returns. You don’t think about it until renewal time—then you’re shocked by the premium jump. The good news? Most investors are overpaying, and the fix isn’t complicated.

1. Shop Smarter, Not Harder

Most investors only get one quote—and it’s usually from the agent who insured their first property. That’s like buying a car without checking prices. Use a broker who specializes in real estate investment properties and can access multiple carriers. Rates vary dramatically depending on the insurer’s current exposure in your region, so a five-minute call can save hundreds.

2. Adjust Your Coverage, Not Your Protection

Look closely at your deductibles and replacement values. A slightly higher deductible can drop your annual premium without meaningfully changing your risk. Check for overlapping coverage, especially if you bundle through a lender’s policy or umbrella plan. You need protection, not duplication.

3. Separate Policies by Purpose

Flips, rentals, and vacant properties each carry different risks—and insurance companies price them accordingly. If you’re using the same policy type across all properties, you’re probably overpaying. Make sure your flip has a builder’s risk policy, your rentals have landlord coverage, and your long-term holds include loss-of-rent protection. The right match can reduce your total cost without cutting corners.

Smart investors treat insurance like financing—review it annually, compare, and renegotiate. Every dollar you save on premiums is a dollar you keep in profit.

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