SFR INVESTOR / PROPERTY MANAGER Master policy PROGRAM

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Designed to provide property, general liability and back up of water/sewer coverage for your investment portfolio!

Our Master Policy Program Highlights: 

• Built to maximize CASH FLOW
• 365/24/7 client administrative controls via our/your online portal (bill payment, issue COI's, add/remove properties, etc.)
• Payment Options - Escrow, Monthly, Quarterly, Semi-Annual or Annual Pay Plans (credit/debit card, check or ACH)
• Only Pay for the Coverage You Need - cancel policies at any time with NO minimum earned premiums
• $5,000 and $2,500 property deductible options available
• Limited Underwriting - NO photos, loss runs or inspections required to bind coverage
• Packaged coverage for rental dwellings including fire, theft, vandalism, windstorm and general liability
• AM Best "A+" rated carrier - American National Insurance Company
• Loss of Rents is INCLUDED (up to $75,000 per year)
• Liability Coverage - $1,000,000 per occurrence/$2,000,000 aggregate (PER LOCATION)
• Water/Sewer Backup Coverage - Recommended, but OPTIONAL
• Optional - Earthquake and flood insurance
• A/C units - are covered under the policy
• Fences are excluded unless attached to the structure
• Detached garages/structures - covered up to 10% of the property coverage limit
• Ordinance & Law - covered up to 10% of the dwelling coverage limit
• Available Nationwide (excl NY)

Quickly and easily offer contents and general liability coverage for your tenants at a very affordable price! 

Our BIG Program Highlights:  

• Policy provides coverage for direct physical damage to personal property of the tenant and & tenant general liability
•  24/7 client administrative controls via an online portal (bill payment, certificates, add/remove properties, etc) 
• Three coverage limit options available
• Payment Options - Monthly pay plan (credit/debit card, check or ACH)  
• $500 property deductible
• Easy online claims processing
• Provides coverage for personal property owned or used by an Insured while it is anywhere in the world
• Limited coverage for personal property of others while it is located on the "residence premise" occupied by an insured
• Includes $3,000 Additional Living Expense
• Damages for which an insured is "legally liable" (including prejudgment interest awarded against an "insured" and defense costs)
• Includes $1,000 damage to property of others (caused by an Insured) and $3,000 Medical Payment
•  Available in almost every State

** If a "residence premise" has been vacant for 60+ consecutive days, coverage for the theft, vandalism &/or malicious mischief may not apply to the Renter's Policy Program. 

Have properties in a flood zone?  Our program can have you covered in a matter of minutes and in compliance with any lender requirements! 

BIG offers flood insurance as an option to investors and property managers.  Unfortunately, real estate investors find out they are required to carry flood insurance after buying a property or at closing!  We’ve made it easy to purchase flood insurance at BIG.

Our flood program provides coverage for direct physical loss by or from the peril of flood.

 Our BIG Program Highlights:  

• Policy Coverage – Provisions follow the National Flood Insurance Program (NFIP) standard policy language
• Coverage Limits Maximums – Residential $250,000/Commercial $500,000
•  Payment Options - Monthly or Annual Pay Plans (credit/debit card, check or ACH) 
•  $1,000 per property/per location deductible 
• Debris removal included
• $20,000 for increased cost of compliance coverage
• Flood Zones – Coverage is available in all zones
• Non-Participating Communities - Coverage provisions are the same as the NFIP standard policy
• Excess Flood limits also available

** “All Risk” Coverage is subject to limitations and/or exclusions as set forth in the policy form(s)

We offer a unique (yet simple and effective) approach to employee benefits.  From small groups to large employers, our team has so many great options to choose from:

•  Health Insurance
• Group Benefits
• Plan Design
• HR Services
• Technology
• Consulting

Want to learn more, contact our Employee Benefits Team (at) benefits@bhaminsgroup.com