No cost to start
Quote requests are free to start and carry no purchase obligation. Share the property details, then decide after you review the carrier options.
How Property Covered helps owners and landlords compare insurance options
Insurance companies price property accounts using the building, occupancy, value, protection, prior losses, and coverage requirements. Property Covered checks those details against carriers that consider the property. Call licensed support when a lender, lease, valuation, or policy question needs a person.
Built around the property
Carriers ask about the building, occupancy, tenants, values, vacancy, protection, and prior losses. Property Covered collects those details so quotes reflect the actual location.
Phone help for hard questions
Licensed support can help read lender requirements, lease terms, valuation language, deductibles, exclusions, and endorsements before you choose a policy.
From property details to carrier quotes in three steps
- Step 1
Share property and coverage details
Tell us the address, property type, occupancy, construction, building value, prior losses, and any lender or lease requirements. These are the details carriers review.
- Step 2
Compare carrier options
Carriers that consider the property type and location review the request and return pricing and coverage terms. Compare the options that come back.
- Step 3
Pick a policy and bring questions
Choose the carrier and policy that fit. Licensed support can help review limits, deductibles, valuation, exclusions, and required endorsements before the carrier issues the policy.
When a lender or lease is the reason you need coverage
Lenders, landlords, tenants, and property managers often set insurance requirements before a closing, lease start, or renewal. Share the actual requirement with the quote request.
- A lender requires building limits, deductible terms, and mortgagee or loss-payee wording before closing.
- A lease assigns responsibility for the building, tenant improvements, business property, income, and liability.
- A renewal changes after a loss, vacancy, tenant change, valuation update, or large premium increase.
What carriers ask about commercial property
Knowing which facts carriers review makes the quote request faster and makes the returned options easier to compare.
Building and occupancy
Carriers ask what the building is used for, who occupies it, how much is vacant, and whether the owner or a tenant runs the business at the location.
Construction and protection
Year built, construction type, roof and system updates, sprinklers, alarms, and fire protection affect how a carrier reviews the property.
Values and income
Carriers ask for building, contents, inventory, equipment, tenant improvement, business income, and rental income values when they apply.
Claims and requirements
Prior losses, current policy terms, lender requirements, leases, inspections, and requested deductibles can change the options a carrier returns.
Who handles each part of the quote
Property Covered
- Compares property insurance optionsProperty Covered collects the property and coverage details and checks options from carriers that consider the account.
- Provides licensed supportLicensed support can help explain lender or lease requirements and compare limits, deductibles, valuation, exclusions, and endorsements.
- Starts freeQuote requests are free to start and carry no purchase obligation. You decide whether to buy after reviewing the available options.
Insurance companies
- Decide eligibility and priceEach carrier decides whether it will quote the property and sets the price, limits, deductibles, valuation terms, and exclusions.
- Bind and issue the policyThe selected carrier sets the binding requirements and issues the policy and endorsements on its own forms.
- Handle claimsThe carrier on the policy investigates the loss and makes claim decisions under the policy terms.
Common questions about property insurance quotes
Common questions
Quote requests are free to start and carry no purchase obligation.
Have the address, occupancy, construction details, building and contents values, prior losses, current policy, and any lender or lease requirements available when they apply.
Yes. Add each address and its use, occupancy, values, prior losses, and renewal date so carriers can review the full schedule.
Yes. Licensed support can help compare limits, deductibles, valuation terms, exclusions, endorsements, and lender or lease requirements before you choose a policy.
The carrier decides eligibility, price, limits, deductibles, terms, binding requirements, and policy issuance.
The carrier on the policy handles claims. Its adjusters investigate the loss and decide payment under the policy terms.