CalculateRealEstateROI

Risk Management

How should a large portfolio structure insurance?

Per-property landlord policy + master umbrella + cat-specific coverage where exposed.

Reviewed by Keiron Brown, Founder & Editor, CalculateRealEstateROI · Educational estimates only — not investment, financial, tax, or legal advice

Direct answer

Per-property landlord policy + master umbrella + cat-specific coverage where exposed.

Expanded explanation

Stacking: $500k per property + $5M umbrella + named-peril cat for FL/CA. Self-insure smaller deductibles to lower premiums.

Examples

  • 8 SFRs each $500k + $5M umbrella + FL wind policy.

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