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Hinterland Insurance
E&S · Single Family Dwelling & REO Portfolios

Real Estate Owned Insurance

Comprehensive property and liability protection for single family dwelling and real estate owned (REO) portfolios, individually underwritten and backed by A rated (or better) capacity.

Max Per Risk Location
$6,000,000
any one risk
Portfolio TIV Cap
$250,000,000
per portfolio
Minimum Premium
$10,000
per policy
Carrier Rating
A.M. Best A
rated (or better)
$6M max per risk location
$250M portfolio TIV cap
A rated carriers
A.M. Best A rated (or better)
In-house authority
Delegated underwriting
Available in the United States
Written in 48 states
Program Details
Max Per Risk Location
$6,000,000
any one risk
Portfolio TIV Cap
$250,000,000
per portfolio
Minimum Premium
$10,000
per policy
Carrier Rating
A.M. Best A
rated (or better)
Liability (CGL)
$1M / $1M / $2M
per occ / general agg / products-comp ops agg
Authority
In-House
delegated
Limit Options
Full + Primary
value available
Risk Appetite

What we write.

Single Family Dwellings · 1-4 unit properties
Tenant-Occupied Properties · Leased single family and small residential
Commercial Exposure · Up to 30% commercial exposure in schedule considered
Availability

Written in 48 states.

Capacity is broadly available. Hover or tap a state for status.

Covered
Not covered
Maine: availableMEAlaska: not currently writtenAKWisconsin: availableWIMichigan: availableMIVermont: availableVTNew Hampshire: availableNHWashington: availableWAIdaho: availableIDMontana: availableMTNorth Dakota: availableNDMinnesota: availableMNIllinois: availableILIndiana: availableINOhio: availableOHPennsylvania: availablePANew York: availableNYMassachusetts: availableMAOregon: availableORUtah: availableUTWyoming: availableWYSouth Dakota: availableSDIowa: availableIAMissouri: availableMOKentucky: availableKYWest Virginia: availableWVVirginia: availableVANew Jersey: availableNJConnecticut: availableCTRhode Island: availableRICalifornia: availableCANevada: availableNVColorado: availableCONebraska: availableNEKansas: availableKSArkansas: availableARTennessee: availableTNNorth Carolina: availableNCDistrict of Columbia: availableDCDelaware: availableDEMaryland: availableMDArizona: availableAZNew Mexico: availableNMOklahoma: availableOKLouisiana: availableLAMississippi: availableMSAlabama: availableALGeorgia: availableGASouth Carolina: availableSCHawaii: not currently writtenHITexas: availableTXFlorida: availableFL

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

Not currently written: Alaska, Hawaii.

How to Submit

From submission to bind.

01
Submit
Email complete submission to Commercial@hinterlandins.com. Loss runs to LossRuns@hinterlandins.com.
02
Review
A named underwriter picks up the file, requests any missing diligence, and confirms receipt.
03
Firm Quote
Quote issued once all diligence items are in hand.
04
Bind
Bind orders honored up to policy effective date. Binder issued once bind is instructed.
Submission Checklist
Send these to move fast.
Commercial@hinterlandins.com
Excel-Formatted SOV Locations, TIV, and COPE (construction, occupancy, protection, exposure)
Currently Valued Loss Runs 3-5 years, carrier-issued
Target Premium Expiring premium or broker target to align coverage structure
Functional Systems Functional plumbing, electrical, and HVAC preferred at time of submission
FAQ

Common questions.

$6,000,000 per risk location, within a $250,000,000 portfolio TIV cap. Primary and full value coverage is available.

Have a single family or REO portfolio to place?

Every risk is individually assessed by an underwriter. We hold the pen on single family dwelling and REO portfolios across the lower 48.

Get appointed