High Risk Rental Property Insurance

When you purchase a property and it may not be acceptable to an insurance company

Not all Real Estate investor properties are acceptable to standard insurance companies

Insurance companies have underwriting guidelines and based on previous claim experience they determine which properties they will accept

Here are some common issues on rental properties

  • Flat roof
  • Aluminum wiring
  • Galvanized plumbing
  • Asbestos siding
  • Window units
  • Bars on the windows
  • No prior insurance over 30 days
  • Vacant
  • Short Term Rental
  • Property over 75 years old
  • Renovation needed
  • Roof replacement needed

Our new Rental Advantage program will accept these type of properties when most insurance companies will cancel the policy after the inspection

Insurance coverage for distressed high risk properties is now available and we can provide monthly billing so only buy what you need

You can buy a policy based on "investor investment" not the usual $100 per square foot replacement cost requirement

If you get a great deal on a rental property and you purchased the property for less than the cost to rebuild you can buy insurance as low as $50/sq ft and still get replacement cost

The coverage is not on a basic form like most policies 

You get special form coverage which includes

  • Theft
  • Vandalism
  • Loss of Rental income
  • Tenant Dog liability
  • Lawsuit liability
  • Replacement Cost 

You also have the option to add all your properties on one policy

  • 1 to 20 unit family properties
  • Vacant
  • Renovation
  • Tenant occupied
  • Short term rental
  • Condo
  • Apartment

Complete the quick form or give us a call and we can quote a new property in less than a minute

Same day purchase and monthly automatic billing to your credit card or checking account



  • The right insurance company to fit your needs
  • Annual renewal reviews for rate and protection
  • Claims and Coverage advisor when you need it
  • 24/7 Access to your account

Homeowners insurance, Rental property and Commercial buildings

FM Agency Group is a licensed insurance agency in Louisiana, Mississippi and Alabama since 2003.

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