Insurance built for real estate investors
Builder's risk, landlord, vacant property, and short-term rental coverage — in all 50 states. Quote online in minutes, bind in as little as one day.
Get an instant quote
~4 MINNo account needed. Quotes don't affect your credit.
One policy for every stage of the deal
From demo day to lease day, your coverage should match where the property is in its lifecycle — not force you into a homeowners policy that excludes investors.
Fix & Flip Insurance
A builder's risk policy that covers the structure and materials while you renovate — fire, theft, vandalism, and premises liability. Terms from 3 to 12 months, sized to your project timeline.
Explore fix & flip coverage → Tenant-occupiedLandlord Insurance
Dwelling, liability, and loss-of-rent coverage for tenant-occupied rentals — single family through small multifamily, written to your LLC or personal name.
Explore landlord coverage → UnoccupiedVacant Property Insurance
Standard policies stop paying when a home sits empty past 30–60 days. Vacant coverage protects properties between tenants, awaiting sale, or pre-renovation.
Explore vacant coverage → Airbnb / VRBOShort-Term Rental Insurance
Hosting is a business activity most homeowners policies exclude. Get dwelling, guest liability, and income protection built for short-term rental operators.
Explore STR coverage →From quote to bound, fast
Closings don't wait for paperwork. Lumin's tech-enabled underwriting compares rates and turns around bindable quotes fast enough to keep your deal on schedule.
Tell us about the property
Address, property type, and what stage it's in — occupied, vacant, or under renovation. Takes about four minutes.
We compare and underwrite
Our system compares competitive rates and our licensed underwriters review the risk — no coverage gaps, no guesswork.
Bind and close
Policies can be bound in as little as one day, with proof of insurance sent straight to your lender or title company.
More than just insurance coverage
Reduce your risk
Landlord insurance will help protect you from the unexpected.
Increase financial security
Grow cash flow and asset value by decreasing insurance costs.
Gain peace of mind
Relax knowing you and your rental property are covered.
Whatever the property, we've got you covered
Occupied or vacant, builder's risk or rental — every Lumin policy is customizable to the property and how you hold it.
Single family rentals
One unit, one house — the bread and butter of buy-and-hold investing.
2–4 unit multifamily
Duplexes, triplexes, and fourplexes — including house-hacked properties.
Apartments (5+ units)
Larger buildings and complexes, with discounts as unit counts grow.
Condos & townhomes
Owned units within a building, coordinated with your HOA's master policy.
Vacant homes
Between tenants, listed for sale, or waiting on permits — covered while empty.
Active renovations
Gut rehabs to cosmetic flips, with materials and liability included.
Common questions from investors
Can't find your answer? Call us at 888-511-1012 — a licensed agent picks up.
What types of properties does Lumin insure?
Lumin writes coverage for 1–4 unit rentals, apartments, condos and townhomes, short-term rentals, vacant properties, and homes under renovation. If your property doesn't fit a category, call us — we likely have a policy for it.
How fast can I get covered?
Policies can be bound in as little as one day. Fill out the online questionnaire (about four minutes) and our underwriters get to work immediately — including proof of insurance for your lender before closing.
Can the policy be written to my LLC?
Yes. Policies can name your LLC, corporation, or you personally as the insured — and lenders or partners can be added as additional insureds or mortgagees.
What's the difference between fix & flip and landlord insurance?
Fix & flip (builder's risk) covers a property while it's vacant and under renovation — including materials on site. Landlord insurance covers a tenant-occupied rental, adding loss-of-rent and tenant-related liability. When your flip becomes a rental, we transition the coverage.
Which states does Lumin operate in?
Lumin can write insurance in all 50 states. Whether it's a condo in LA, a duplex in Columbus, or a beach house in Miami, we can work with you.
Protect your next deal
Get an instant quote and bind before your next closing. Your pocket — and your lender — will thank you.