One insurance program for your Texas portfolio.
Every property, one renewal plan, one current schedule of values. We model a combined program against separate policies and show you the trade-off.
Prefer to talk? Call (713) 367-1706
In Short
What insurance does a Texas commercial real estate portfolio need?
Texas owners with several commercial properties often benefit from one coordinated program: blanket property limits, an up-to-date schedule of values, portfolio liability and a single umbrella, loss of rents across locations, lender compliance tracking and automatic coverage for new acquisitions.
Read the complete commercial real estate portfolio insurance guide
General information, not a promise of coverage.
Risks & Coverage
What can go wrong at a Texas commercial real estate portfolio, and the coverage to consider.
- 01
Scattered Renewal Dates
Separate policies renewing all year mean constant paperwork and missed chances to negotiate the whole portfolio as one account.
Coverage to ConsiderOne coordinated program and renewal date
- 02
Out-of-Date Property Values
Construction costs have changed fast. A schedule of values that hasn't been updated invites a coinsurance penalty or a short claim payment.
Coverage to ConsiderSchedule of values reviewed every renewal
- 03
Deductibles That Stack Up
One hailstorm can hit several of your properties. Per-building wind and hail deductibles can add up to far more than you expect.
Coverage to ConsiderDeductibles modelled across every building
- 04
Many Lenders, Many Requirements
Each loan comes with its own requirements for limits, deductibles and lender wording.
Coverage to ConsiderCertificates and evidence of property for every lender
- 05
Liability Limits That Don't Scale
As the portfolio grows, one umbrella across every property is usually more efficient and more protective.
Coverage to ConsiderPortfolio liability and a single umbrella
Typical Coverage
What a Texas commercial real estate portfolio usually carries.
- 01
Blanket Property Limits
One limit shared across locations, with agreed-value options that remove the coinsurance penalty.
- 02
Schedule of Values Management
Replacement costs reviewed every year so values keep up with construction costs.
- 03
Portfolio Liability & Umbrella
One liability program and a single umbrella over every property.
- 04
Loss of Rents Across Locations
Rental income protected across the whole portfolio.
- 05
Lender Compliance Tracking
Certificates and evidence of property for every lender, kept current.
- 06
New Acquisitions Added at Closing
We arrange coverage for each new property ahead of closing, so it can start the day you take ownership.
Not Needed to Start
What to have ready.
Carriers price what they can see, so a complete submission helps them quote with confidence. Missing something? Send what you have.
- A list of properties: address, use, size, year built, construction
- Current values or your latest appraisals
- Rent rolls or occupancy for each property
- Current policies and their renewal dates
- Five years of loss runs for each property
- Lenders on each property
- Planned acquisitions and sales
Questions
Multi-Property Portfolios: common questions.
Should I put all my properties on one policy?
It can lower cost and paperwork, and a blanket limit can protect you better. Some properties may still do better on their own — we model both and show you the trade-off.
How do you keep values accurate?
We review your schedule of values at every renewal against current construction costs and recommend updates before the carrier or a claim forces the issue.
Can you add a property I'm buying next month?
Yes. Send us the details as soon as you're under contract and we'll start quoting so coverage options and lender documents can be ready for closing.
Ready When You Are
Your quote starts here.
About two minutes. A person reads every request.
Guides for Multi-Property Portfolios