Real Estate Insurance

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About Real Estate Insurance

From the skyline-defining office buildings to the neighborhood’s favorite retail stores, our expertise spans a diverse spectrum of the real estate sector:

  • Apartment Buildings
  • Retail Stores
  • Shopping Centers
  • Office Buildings
  • Vacant Buildings
  • Mixed-Use Buildings
  • Other Commercial Buildings

Examples Real Estate Insurance Coverage: 

General Liability

This foundational coverage offers protection against third-party claims due to bodily injury, property damage, and personal or advertising injury that may occur on the insured property. For real estate owners, it’s crucial to have this coverage to address potential lawsuits or claims from tenants, visitors, or even vendors who might get injured or suffer damage while on the property.

Property

Protects against damages resulting from the backup of sewers or drains. This is especially vital for properties in flood-prone areas or with complex plumbing systems. This covers the sudden and accidental breakdown of machinery and equipment used in the property, such as elevators, heating, or air conditioning systems.In the event of a covered loss where the property becomes uninhabitable or can’t be rented out, this coverage compensates for the lost rental income during the repair period.

Crime
Offers protection against loss or damage resulting from criminal acts such as theft, vandalism, or fraud. Real estate properties, particularly vacant ones or those in specific locations, can be targets for various criminal acts. This coverage ensures that property owners are not left bearing the financial burden of such incidents.
Flood Coverage
This insurance provides protection against damage caused specifically by flooding, which is not typically covered under standard property insurance.For properties located in flood zones or areas with a history of flooding, this coverage is invaluable, ensuring that owners are protected against potentially devastating flood-related damages.
Inland Marine
Contrary to its name, inland marine insurance covers property that is mobile in nature or requires special valuation. This can include construction equipment, art, or items that are frequently moved between locations. For real estate entities that have movable assets or special equipment not tied to a fixed location, inland marine insurance ensures these assets are protected no matter where they are.
Real estate insurance coverage is a comprehensive approach to safeguarding properties and the financial interests of property owners. By addressing a range of potential risks, from natural disasters to equipment malfunctions to criminal activities, these coverages ensure that property owners can operate confidently and securely in the ever-evolving real estate landscape.

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My family uses TR Insurance agency for many of our insurance needs. The staff is always professional and responsive and knowledgeable. They go above and beyond to assist and do whatever it takes to provide the services that are needed. Thanks to TR Insurance Agency for all of your hard work!

- Shana Washington

I called and within Minutes I had quotes for home and auto insurance and they treated me as if I had been dealing with their company all my life from day one I really appreciate your help and your knowledge I would recommend you guys to everyone I know.

- Bruce Tucker

Every time I have an issue it’s solve in a speedy manner the agency always calls me back right away. Great agency with great people. I’ve recommend to my friends. Thanks for all u do.

- Karen Misilmeri