Real Estate Insurance
Comprehensive insurance and risk solutions for real estate owners, developers, operators, and investors across Texas and Florida — from single assets to complex multi-property portfolios.
Real estate in Texas and Florida is one of the most active and dynamic markets in the country — and one of the most exposure-rich. Whether you own a single commercial building or manage a portfolio spanning multifamily, industrial, retail, and office assets, your insurance program needs to reflect how your assets actually operate, how your capital is structured, and what your lenders require.
Wirehaired Trust provides real estate owners, developers, and investors with insurance programs built around the full asset lifecycle — from acquisition and construction through stabilization and disposition. We work across all major asset classes and help real estate professionals consolidate, simplify, and strengthen their coverage without overpaying.
Real Estate Insurance Across the Full Asset Lifecycle
- →Acquisition: property due diligence, transactional liability, and representation & warranty insurance for deal-ready coverage
- →Development: builders risk, contractor liability, and project-specific programs during construction
- →Operations: commercial property, GL, loss of rents, and tenant liability across stabilized assets
- →Disposition: tail coverage and transactional liability for sellers managing post-sale exposure
Coverages We Place for Real Estate Clients
- ✓Commercial Property — Building, contents, and improvements for all asset classes; accurate replacement cost valuation
- ✓General Liability / Lessor’s Risk Only (LRO) — Premises liability for property owners who do not occupy their buildings
- ✓Business Income / Loss of Rents — Revenue protection when a covered loss interrupts occupancy
- ✓Builders Risk — Coverage for structures under construction; ground-breaking through certificate of occupancy
- ✓Directors & Officers (D&O) — Governance liability for REITs, property management companies, and investment entities
- ✓Errors & Omissions (E&O) — Professional liability for property managers, brokers, and real estate advisors
- ✓Cyber Liability — Tenant data, property management systems, and online rent payment platform protection
- ✓Environmental Liability — Pollution and contamination exposure for industrial, warehouse, and mixed-use properties
- ✓Umbrella / Excess Liability — Higher limits required by lenders and institutional partners
- ✓Transactional Liability — Representation & warranty, tax liability, and environmental insurance for acquisitions and dispositions
- ✓Flood Insurance — NFIP and private market flood coverage for TX and FL properties in flood-zone areas
Real Estate Asset Classes We Cover
Request a Real Estate Insurance Quote