Investor · NJ · Member since 2022 · 155 posts · 224 votes
Looking for best of both worlds in pricing and protection. I have 4 new SFR that will be completed at various points in April/May this year. They are being bought in a trust and are the only properties in there as of now. Should they have landlord insurance individually or go for an umbrella policy? What do most of you prefer?
Many of the portfolio insurance policies that I have scene require at least 5 properties to be on the policy. I would suggest working with an independent agent that can quote your properties individually and possibly on a commercial policy. You can always add an umbrella policy to the 4 individual policies to maximize your liability limits.