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SES Insurance Brokerage Services, Inc.

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Program Details -

Single Family Rental Property Insurance


When the real estate bubble burst in 2008 many families who had grown accustomed to living in single family dwellings found themselves without a home. Investors who saw a great opportunity purchased available homes at a low cost in order to fix them up and deploy them as rentals in order to fill the need of the families who wanted to stay in neighborhoods and not move back to apartments. SES has created a master policy coverage option that allows the investors to insure all of their single family dwellings with one expiration date. The coverage provides all the necessary protection for both property and liability. Contact us immediately to learn more.

Coverage Includes:


Excluded Causes of Loss

  • Excluded causes of loss can differ from portfolio to portfolio and will be at the discretion of the underwriter


  • Range from $1,000 to $25,000 per location, per occurrence
  • Separate deductibles for wind/hail, named storm, EQ, Flood, etc.

Property Types

  • 1-4 unit dwellings
  • Small apartments (with pre determined allowable max TIV)


  • $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.

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)


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


  • Range from $0 to $10,000 per occurrence – SES pushes for a $0.00 deductible with each policy

Basic Coverage Summary

  • ISO based Commercial General Liability coverage/forms

Excluded Causes of Loss

  • General pollution, war, nuclear, etc. exclusions are present and can vary per 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