Protect every property you own.
Homeowners, condo, landlord, and commercial property insurance — written to fit the way you live and invest.
Your privacy is important to us — your information is kept secure and confidential.
Coverage built around you
Whether it's your first home, a vacation rental, or an investment portfolio, Native Real Estate Insurance gives you replacement-cost coverage, liability protection, and the responsive service property owners deserve.
- Standard homeowners (HO-3 and HO-5)
- Condo (HO-6) and renters (HO-4) policies
- Landlord and dwelling fire (DP-3) coverage
- Vacation home and seasonal property insurance
- Commercial property and business owner policies (BOP)
- Flood, earthquake, and umbrella endorsements
Replacement Cost
Rebuild without depreciation deductions on your dwelling and personal property.
Loss of Use
Hotel, meals, and additional living expenses covered after a covered loss.
Liability Protection
Up to $1M of personal liability for accidents on your property.
Rental Income
Landlord policies replace lost rent when units become uninhabitable.
Common questions
Do I need flood insurance?+
Standard homeowners policies exclude flood. We can add a separate NFIP or private flood policy if you're in a risk zone.
Can I insure short-term rentals?+
Yes. We offer endorsements designed for Airbnb, VRBO, and other short-term hosting platforms.
What's the difference between replacement and actual cash value?+
Replacement cost rebuilds with new materials; actual cash value subtracts depreciation. We strongly recommend replacement cost.
Ready for complete protection?
Bundle two or more policies and save. Get a personalized quote in minutes.