Hedge / Appetite / Fix-and-flip & rehab investor
In current Hedge appetite / P&C

Fix-and-flip & rehab investor.

Fix-and-flip & rehab investor is in Hedge's current published wholesale appetite for licensed retail insurance brokers. Property + GL for active rehab and flip projects up to $3M TIV and 12 units. Vacant during renovation OK with permits. Published target coverage includes Commercial Property with a published target of $3M TIV / loc, General Liability with a published target of $1M / $2M, and Flood with a published target of Optional, up to $250K. Hedge confirms current fit, the permitted submission route, and available terms after reviewing the account.

NAICS   236118 · 236220 · 531120 · 531190 · 531311
Also known as   fix and flip, house flipper, investor renovation, REI rehab, rehabber
Coverage

Published target coverage.

These are starting-point lines and limits for a fix-and-flip & rehab investor submission. Hedge confirms current fit, route, and available terms after account review.

Commercial Property $3M TIV / loc Commercial Property wholesale → General Liability $1M / $2M General Liability wholesale → Flood Optional, up to $250K Flood wholesale →
Knowledge graph

Go deeper by coverage and packet.

Use the narrowest guide for the question. Coverage pages explain the line for this class; the submission guide organizes the first packet.

$3M TIV / loc Commercial Property for fix-and-flip & rehab investor Coverage context, underwriting facts, forms, and preparation guidance. $1M / $2M General Liability for fix-and-flip & rehab investor Coverage context, underwriting facts, forms, and preparation guidance.
Submission preparation
What to submit for fix-and-flip & rehab investor
Open class checklist →
Sweet spot

Where this fits cleanly.

This profile is the strongest starting point. Hedge confirms current market fit and route after reviewing the account.

01 Investors, GCs, house flippers on 1-4 unit residential
02 Multi-family up to 12 units
03 Structural and non-structural renovation
04 Frame, joisted masonry, non-combustible, fire-resistive
Submission

What we need for placement review.

Including these items reduces back-and-forth. Additional underwriting information may be required.

  • 01Scope of work and renovation timeline
  • 02Active building permits
  • 03Contractor license and experience
  • 04Total completed value
  • 05Photos of all four elevations
  • 06Anticipated completion date
  • 0725% minimum earned premium acknowledgement
State nuance

Where the answer changes by state.

For these states, the verdict, the limits, or the subjectivities shift. Open the state page for the full picture.

Fix-and-flip & rehab investor in Alabama
AL · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in Alaska
AK · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in Delaware
DE · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in Hawaii
HI · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in Idaho
ID · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in Indiana
IN · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in Iowa
IA · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in Kansas
KS · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in Kentucky
KY · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in Louisiana
LA · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in Maine
ME · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in Minnesota
MN · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in Mississippi
MS · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in Montana
MT · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in Nebraska
NE · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in New Hampshire
NH · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in New Mexico
NM · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in North Dakota
ND · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in Rhode Island
RI · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in South Dakota
SD · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in Utah
UT · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in Vermont
VT · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in Washington
WA · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in West Virginia
WV · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in Wyoming
WY · Outside current Hedge appetite
Not currently in carrier footprint for fix-and-flip.
Fix-and-flip & rehab investor in Florida
FL · Review case by case
Coastal restrictions apply; review individually.
Fix-and-flip & rehab investor in California
CA · Review case by case
Earthquake required with 10% minimum deductible.
Related

Adjacent classes.

Often relevant to a submission in this class.

P&C Apartment buildings & multi-family P&C Auto repair shops P&C Churches & religious institutions P&C Course of construction
FAQ

Common questions.

Does Hedge write fix-and-flip & rehab investor?

Fix-and-flip & rehab investor is in Hedge's current published appetite. Property + GL for active rehab and flip projects up to $3M TIV and 12 units. Vacant during renovation OK with permits. Hedge confirms current market fit and route after reviewing the account.

What does Hedge need to quote fix-and-flip & rehab investor?

Scope of work and renovation timeline; Active building permits; Contractor license and experience; Total completed value; plus 3 more standard items. These items support placement review, but an underwriter may request more.

What limits and lines does Hedge offer on fix-and-flip & rehab investor?

Commercial Property target up to $3M TIV / loc; General Liability target up to $1M / $2M; Flood target up to Optional, up to $250K. These are published targets, not promised terms. Available limits are confirmed after account and market review.

Does Hedge write house flipper?

House flipper is one way brokers describe fix-and-flip & rehab investor. It maps to the same published Fix-and-flip & rehab investor appetite, target lines, and submission guidance listed above. Current fit and route still require account review.

Public appetite is directional and may change. It is not a quote, binder, coverage commitment, or confirmation of access to any named market. Hedge confirms current fit, route, and authority after reviewing the account.

· LAST REVIEWED   2026-08-24    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671