Market Access
Our Carrier Markets
We work with 20+ insurance carriers to find the right fit for real estate investors, income-producing property owners, and professional-service firms across the Western US.
Carrier fit matters. Placing a rental portfolio with the wrong carrier creates pricing problems, coverage gaps, and renewal headaches. We route each account to the market most likely to provide the best combination of coverage, price, and long-term stability — based on your ownership structure, property type, state, and risk profile.
Carriers We Work With
These are some of the carriers we access for real estate investor and property owner accounts. Each has specific strengths, appetites, and best-fit account profiles.
Berkshire Hathaway Homestate Companies
Best for: Commercial property owners, LLC-owned rentals, and portfolio landlords who need a financially strong carrier with a stable renewal history.
Strengths
- →Strong financial backing from Berkshire Hathaway
- →Stable renewal history — less carrier disruption
- →Good for larger property values and portfolios
States
The Hartford
Best for: Small commercial property owners and professional-service firms needing BOP, GL, and property coverage bundled under one carrier.
Strengths
- →Broad appetite for small commercial accounts
- →Strong BOP product for property owners and service firms
- →Good for professional firms needing GL and property together
States
Openly
Best for: Individual homeowners and landlords with 1–4 unit rental properties who want fast digital quoting at a competitive price.
Strengths
- →Fast digital quoting — same-day turnaround common
- →Competitive personal lines pricing
- →Good for individually owned rentals and primary homes
States
Liberty Mutual / Safeco
Best for: Property owners and investor households needing personal lines coverage — home, auto, umbrella — under one carrier.
Strengths
- →Broad personal lines appetite across the western US
- →Competitive for home/auto/umbrella bundle accounts
- →Safeco now fully integrated under Liberty Mutual
States
Travelers
Best for: Commercial property owners and small business owners who need BOP or GL from a carrier with a top-tier financial rating.
Strengths
- →A++ financial rating — among the strongest in the industry
- →Good commercial property appetite
- →Competitive for professional-service firms and small commercial
States
Obie
Best for: Individual landlords and rental property investors, especially 1–10 unit portfolios, who want a purpose-built investor product.
Strengths
- →Purpose-built for rental property investors
- →Fast digital intake — no lengthy applications
- →Competitive pricing for clean, stabilized rental risks
States
Steadily
Best for: Landlords, short-term rental owners, and investors with active rental portfolios — including Airbnb and VRBO operators.
Strengths
- →Covers short-term rentals most carriers won't touch
- →Fast digital process for single properties and portfolios
- →Good for investors actively adding properties
States
REInsurePro
Best for: Real estate investors with portfolios, rental properties, and LLC- or trust-owned rentals who need investor-specific product design.
Strengths
- →Investor-focused product design — built for how investors actually own property
- →Good for LLC and trust ownership structures
- →Portfolio pricing available for multi-property accounts
States
Berkshire Hathaway Guard
Best for: Small commercial property owners and LLC-owned rental portfolios that need Berkshire Hathaway financial strength at the small commercial level.
Strengths
- →Backed by Berkshire Hathaway
- →Strong commercial property appetite for smaller accounts
- →Good renewal stability — low non-renewal risk
States
US Assure
Best for: Builders risk and renovation projects tied to real estate investor activity — ground-up construction, rehabs, and occupied-while-renovating properties.
Strengths
- →Strong builders risk product purpose-built for construction and renovation
- →Good for renovation and rehab projects at all stages
- →Fast bind process — coverage when you need it
States
USLI
Best for: Professional-service firms and consultants needing E&O, GL, or specialty liability coverage that standard carriers often decline.
Strengths
- →Strong professional liability appetite
- →Good for consultants, agencies, and service firms
- →Specialty underwriting — handles accounts standard carriers pass on
States
CrossCover Insurance
Best for: Real estate investors and property owners with specialty or hard-to-place risks that standard markets won't write.
Strengths
- →Specialty market access for non-standard risks
- →Good for distressed, vacant, or unusual property types
- →Flexible underwriting — fewer automatic declines
States
National General
Best for: Personal auto and personal lines coverage for property owners and investor households who are value-conscious buyers.
Strengths
- →Competitive personal auto pricing
- →Good for value-conscious personal lines buyers
- →Broad personal lines appetite across the western US
States
Aegis General Insurance Agency
Best for: Personal lines for property owners, especially those with non-standard or specialty personal risks that standard carriers decline.
Strengths
- →Strong personal lines appetite including non-standard risks
- →Good for clients who need flexible underwriting
- →Western US focus aligns with our service area
States
Not sure which carrier fits your situation?
Carrier fit depends on ownership structure, property type, occupancy, state, and your account profile. We do the routing so you don't have to guess. Start with a quick intake and we'll identify the right path.