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 →
Class details

Review coverage and submission requirements.

Choose a coverage guide for line-specific details or open the submission guide for the first-packet checklist.

$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

Stronger starting profile.

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

State-specific differences.

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.
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