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SES Insurance Brokerage Services, Inc.

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Program Details -

Landlord Insurance


It is critical that your clients, as owners of multiple rental properties, have in place the proper insurance coverage to protect them from both property and liability damage. One bad storm or one slip and fall on a property could ruin their investment business. SES Insurance Brokerage Services, Inc. has a master policy insurance product available that provides property and liability coverage designed specifically to offer protection where it is needed most. SES pairs its landlord coverage with a state of the art, online portfolio management system that allows for the investor to easily update their property information in real time. Contact us today to learn more.

Coverage includes the following:




Property Types
  • 1-4 unit dwellings
  • Small apartments (with pre determined allowable max TIV)
  • Range from $1,000 to $25,000 per location, per occurrence
  • Separate deductibles for wind/hail, named storm, EQ, Flood, etc.
  • $500,000 per location up to $15,000,000 per location
  • Coverage is ultimately for the value stated for each property
Replacement Cost Valuation
  • For single family residential properties (1-4 unit) SES is looking for a value of $75 per sqft.
Excluded Causes of Loss
  • Excluded causes of loss can differ from portfolio to portfolio and will be at the discretion of the underwriter
Basic Coverage Summary
  • Special Causes of Loss (ISO based forms widely used)
  • Earthquake – if requested
  • Flood – if requested
  • Named Storm
    • When part of primary package policy and not on a separate DIC cover, EQ, Flood, and Named Storm will have separate, higher deductibles and often capped losses
  • Builder’s Risk for homes under renovation – not new construction (additional)
  • Business Personal Property (can be included)
  • Business Income (coverage for loss of rents can be included)


Basic Coverage Summary
  • ISO based Commercial General Liability coverage/forms
Limits can vary per policy – generally offered limits are as follows:
  • $2,000,000 general aggregate
  • $1,000,000 per occurrence
  • $100,000 any one fire
  • $5,000 med pay per person
Excess Coverage
  • Excess limits range from $1,000,000 to $25,000,000 with potential for limits up to $100,000,000
  • Coverage most often for strict excess commercial general liability
Excluded Causes of Loss
  • General pollution, war, nuclear, etc. exclusions are present and can vary per policy
  • Range from $0 to $10,000 per occurrence – SES pushes for a $0.00 deductible with each policy

Locations Served : Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Washington,D.C., Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming