SLOW FLIP RESOURCES

Protect Every Slow Flip with the Right Insurance

You buy as-is homes and sell them with seller financing. The right coverage protects your investment from closing day until the final payment.

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Why Slow Flips need the right coverage

Slow Flip properties are often older, sometimes vacant, and are sold as-is under an Agreement for Deed. Until the deed transfers, you may still hold title, so you still carry risk. A standard homeowner's policy often isn't the right fit. Ask an agent about these:

Dwelling Fire (DP-1 / DP-3)

Covers investment homes you don't live in. DP-1 is usually basic, named-peril coverage. DP-3 is usually broader and costs more.

Vacant Property

Many policies limit or exclude coverage once a home has been vacant for a set period. Get vacant coverage between purchase and sale.

Liability

Protects you if someone is injured at a property you own. Ask about premises liability and whether an umbrella policy makes sense.

Additional Insured / Mortgagee

Under an Agreement for Deed, ask that your buyer's policy list you (or your entity) as additional insured or mortgagee/loss payee, and get proof every year.

Always get at least three quotes

Prices and coverage for the same property can vary a lot from carrier to carrier. Get one quote each from Steadily, Obie and NREIG, compare them line by line, and choose the best coverage, not only the lowest price.

Insurance partners

Get a quote from all three, then compare them using the checklist below.

PARTNER 1

Steadily

Landlord insurance for rental and investment properties, with fast online quotes.

Get Quote #1
PARTNER 2

Obie

Landlord and investment property insurance built for real estate investors, quoted online.

Get Quote #2
PARTNER 3

NREIG (National Real Estate Insurance Group)

Insurance for real estate investors, including vacant, rental and fix-and-flip properties.

Get Quote #3

How to compare your quotes

  1. Same property details on every quote: address, year built, square footage, roof age, occupancy (vacant or occupied).
  2. Policy type: DP-1 vs. DP-3, and whether vacancy is covered.
  3. Coverage basis: actual cash value or replacement cost.
  4. Dwelling limit and deductibles, including any separate wind, hail, or hurricane deductibles.
  5. Liability limits and whether umbrella coverage is available.
  6. Exclusions and conditions: vacancy clauses, roof or wiring requirements, inspections.
  7. Additional insured / mortgagee options for Agreement for Deed sales.
  8. Total annual premium, fees, payment options, and the carrier's claims reputation.

Referral disclosure

Some links on this page are referral or affiliate links. Slow Flip Insurance may receive a referral fee if you request a quote or buy a policy through them, at no extra cost to you. We only list partners we think are worth comparing.

Not insurance advice

This page is for general education only. It is not insurance, legal, or financial advice. Coverage, availability, and requirements vary by state, carrier, and property. Talk to a licensed insurance agent in your state before you buy a policy, and have an attorney review your Agreement for Deed.