Rental Portfolio Insurance Review
Bring your whole rental portfolio into one organized insurance picture
For investors with multiple properties, Candor helps assemble a clean schedule and document set, then connects you with a licensed insurance professional for review.
Office hours: Mon–Thu 9:00 AM – 5:00 PM | Fri 9:00 AM – 12:00 PM
Request a Consultation
Start with a quick intake
There is no cost or obligation. A Candor representative will follow up.
Most rental portfolios grow one property at a time, and the insurance grows the same way: a policy here, a different carrier there, renewal dates scattered across the year. By the time an investor owns five or ten properties, nobody has a single picture of what is insured, for how much, and in whose name.
A portfolio review starts with one clean schedule of every property and every policy. From there, a licensed producer can look for gaps and overlaps, check that each owning LLC is named correctly, and see whether the portfolio is a candidate for a combined or blanket program with one renewal date.
How we help
Readiness first - placement by licensed professionals
We help you organize what you have and understand what may be needed. Coverage advice and policy placement are handled by licensed insurance professionals.
Who we help
- Investors with 3+ properties
- Owners of mixed single- and multi-family
- Buy-and-hold portfolios
- Partnerships and LLCs holding rentals
Common situations
- Policies spread across carriers and renewal dates
- No single schedule of properties and coverage
- Gaps or overlaps you can't easily see
- Hard to produce documents quickly when a lender asks
Coverage
Coverages a producer commonly reviews
Every operation is different. These are the coverages typically discussed for this kind of risk; a licensed producer will recommend what fits yours.
Commercial property or dwelling fire
Coverage on each building, written for its actual use and occupancy, often on one schedule.
Blanket property limits
One limit shared across several locations, which can help when values are hard to pin down property by property.
General liability
Third-party injury and property damage claims at every location, with every owning entity named.
Loss of rents
Replaces rental income while a unit is uninhabitable after a covered loss.
Umbrella / excess liability
Additional liability limits across the whole portfolio, often required by lenders and partners.
Ordinance or law
Extra cost to rebuild older buildings to current code after a covered loss.
Before you call
What shapes your coverage
Statement of values
Underwriters want a current statement of values: address, construction, year built, square footage, units, occupancy, and the replacement cost of each building. An accurate statement is the foundation of the whole review.
Entities and lenders
Each LLC that holds title should be a named insured, and each lender should be listed exactly as the loan documents require. Mismatched names are one of the most common problems found in a portfolio review.
Renewal dates
Consolidating renewals onto one date makes the portfolio easier to manage and to market to carriers. A producer can show what moving dates would involve before anything changes.
Mixed property types
Single-family homes, small multifamily, and mixed-use buildings are underwritten differently. A portfolio that mixes them may still fit one program, or may be better split. That depends on carrier appetite.
Get Ready
Documents we help you gather
How It Works
A clear path from inquiry to coverage
Tell us about your situation
Share the basics through the short intake form.
We organize the details
We help assemble the documents a licensed professional will need.
Connect with a producer
A licensed insurance professional reviews your needs and handles placement.
Ongoing support
We help keep certificates and renewals organized over time.
Common Questions
Frequently asked questions
Can I put all my rental properties on one policy?
Often, yes. Many investors consolidate several properties, and several LLCs, onto one commercial package or blanket program with a single renewal date. Whether that works depends on the property types, locations, ownership structure and carrier appetite.
What is a statement of values?
A list of every property with its address, construction, year built, square footage, units, occupancy and replacement cost. Underwriters use it to price property coverage, so it is the most important document in a portfolio review.
Do all of my LLCs need to be on the policy?
Every entity that owns a property, and usually any management entity, should be a named insured. Lenders and operating agreements often require it, and a missing entity can complicate a claim.
What is blanket coverage?
A single property limit shared across several buildings, instead of a separate limit for each. It can help when individual values are uncertain, though carriers typically require an accurate statement of values and may add conditions.
How often should a rental portfolio be reviewed?
At least once a year before renewal, and whenever you buy, sell, refinance or substantially renovate a property.
Related programs
Other Candor programs
Guides
Related reading
Vacant Property and Renovation Insurance for Fix-and-Flip Investors in New York, New Jersey and Maryland
How fix-and-flip and BRRRR investors in New York, New Jersey and Maryland insure a property from closing through rehab to lease-up or sale: vacancy clauses, builder's risk, contractor insurance and state rules.
Read the guide →Landlord & Rental Property Insurance in New York, New Jersey and Maryland: A Practical Guide for Owners and Investors
A practical guide to landlord and rental property insurance in New York, New Jersey and Maryland: what policies include, state-specific risks, and what to have ready.
Read the guide →NY Landlord Insurance Renewal Checklist (2026)
A practical checklist of property details, policy documents, and carrier information NY landlords should have ready before an insurance renewal.
Read the guide →Talk It Through
Prefer to talk it through?
Speak with Candor Insurance Brokerage Inc today.