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Prospect General Insurance Agency
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Prospect General Insurance Agency
Contact Us
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Real Estate Investor Insurance

Prospect General Insurance Agency offers a tailored Real Estate Investor Insurance program designed specifically for clients with portfolios of investment properties. This single-policy solution allows agents to provide flexible, comprehensive coverage that accommodates changes throughout the policy term. Properties can be added or removed at any time, with day-specific prorated adjustments — ideal for investors with dynamic portfolios.

Ideal Accounts and Appetite

Our program is best suited for 1–4 unit residential dwellings, including single-family homes, duplexes, triplexes, and fourplexes. We also consider submissions for small apartment buildings and light commercial properties on a case-by-case basis. We do not offer coverage for restaurants, bars, or taverns. If you have a client who owns multiple rental homes across state lines, or a small real estate investment firm acquiring and flipping multi-unit dwellings, this program may be a great fit.

Coverage Highlights and Advantages

  • Single policy structure for multiple properties
  • Flexible scheduling — add or remove properties at any time
  • Daily prorated premium adjustments for mid-term changes
  • Access to experienced underwriting and support teams
  • Backed by Lloyd’s of London, a trusted name in specialty insurance markets

Underwriting Notes

This is a non-admitted program available through Prospect General’s partnership with Lloyd’s of London. Accounts are individually underwritten, and while there is no fixed minimum premium listed, size, location, and number of properties will influence eligibility and rating. We encourage agents to submit details for quick review.

Available States

This program is available in most U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY.

Why Work With Prospect General

Prospect General Insurance Agency is a trusted general agency with deep experience in the real estate investor segment. Our partnership with Lloyd’s of London gives agents access to flexible underwriting and reliable capacity in this niche market. We are committed to helping you serve clients with growing or evolving property portfolios by offering a streamlined policy solution with responsive service.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for clients who own portfolios of 1–4 unit residential investment properties. Small apartment buildings and light commercial properties may also be considered.

Can properties be added or removed mid-term?

Yes. The policy allows for the addition or deletion of properties at any time, with daily prorated premium adjustments.

Is this an admitted program?

No. This Real Estate Investor Insurance program is written on a non-admitted basis through Lloyd’s of London.

Are restaurants or taverns eligible under this program?

No. We do not provide coverage for restaurants, bars, or taverns under this program.

In what states is this program available?

The program is available in most U.S. states, including but not limited to CA, FL, TX, NY, and IL. Please refer to the full list above for details.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    General Agency
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    "A" XV Excellent
  • Commission:
    12%
  • Min Premium:
    -
  • Coverages:

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CONTACT INFORMATION

LOCATION

7979 Ivanhoe Ave., Suite 555
La Jolla, CA 92037
619-597-1188
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