Real estate insurance for owners, investors and property managers.

From a single mixed-use building to a portfolio of rentals, your lender, your tenants and your operating agreement all have requirements. We put the right property and liability coverage on every address.

  • Single buildings to full portfolios
  • Every lender requirement checked
  • Certificates for lenders and tenants in minutes

Prefer to talk with a human? Call (339) 209-0983

Book your consultation

During our call, we will discuss your business needs, budget, and goals.

Coverage needed

By submitting this request, you agree to Morrow’s Terms of Service and consent to follow-up by email, phone, or text about your request. Message frequency varies. Message and data rates may apply. Reply STOP to opt out. Privacy Policy

or

Want to talk now? Call (339) 209-0983

Coverage

What real estate insurance covers

Your loan documents usually dictate most of the program. Here is each line, and who asks you to carry it.

01 / 08

01Required by your lender

Commercial property

The building and its contents against fire, wind, water and other covered losses, written at replacement cost.

02Required by your lender

General liability

Slip and falls, injuries in common areas and other claims from people on your property.

03Required by your lender

Loss of rents

Rental income you lose while a damaged unit or building is being repaired.

04Required by your lender

Umbrella / excess

Higher liability limits above your GL, often required on larger loans and multifamily properties.

05Required in flood zones

Flood

Flood is excluded from standard property policies. Lenders require it for buildings in high-risk flood zones.

06Required by state law

Workers’ compensation

Medical bills and lost wages for building staff, from supers and porters to leasing and maintenance teams.

07Required by HOA bylaws

Directors & officers

Protects HOA and condo board members personally against claims over the decisions they make for the association.

08Required by property owners

Property manager E&O

Professional liability for management companies, for mistakes in leasing, collections and maintenance.

Send us your schedule of locations and your loan documents. We match each property to the right market and confirm every lender requirement is met. Get a quote

The leading insurance broker for small and medium-sized businesses.

© 2026 Morrow. Afthonea Inc. Morrow is a brand name of Afthonea Inc. CA broker license #6019801. Insurance is offered through licensed brokers. All information on this site is provided for general informational purposes only and does not constitute insurance advice or an offer or solicitation of insurance. Nothing on this site represents a claim of expertise or a guarantee of immediate insurance availability. All coverage, quotes, and placement are subject to underwriting, carrier availability, carrier appetite, and policy terms. We can issue instant certificates only for straightforward requests and only after we receive your policy from the carrier. Some certificate requests may still require manual review.