Property Insurance

Secure Your Property with Specialty Insurance Solutions Tailored To Your Needs
Get Started

XINSURANCE has been helping property owners find high-quality insurance solutions for over 40 years, and when things go wrong, we'll be right by your side.

As a property owner or property manager, you hold a lot of responsibility — but you may also be held liable when something goes wrong. From weather-related risks to resident accidents, there are many unexpected circumstances that could result in massive financial losses. It’s best to carry property insurance that offers real coverage and real protection when an incident, claim, or lawsuit occurs.

The Importance of Property Insurance for Property Owners and Business Owners

Property insurance is an essential shield against the unpredictable. As a property owner, whether it’s your cherished home, thriving business, or valuable commercial property, the importance of property insurance cannot be overstated. This safeguard can provide financial security, reducing the risk of substantial financial losses in the event of unexpected accidents and incidents. In the face of life’s uncertainties, property insurance is your partner in resilience, allowing you to focus on the future with confidence, knowing that your property has comprehensive coverage.

When it comes to protecting your property, investments, and livelihood, it pays to choose a partner with expertise. For over 40 years, XINSURANCE has built experience in providing specialty insurance solutions for many types of properties — including large-scale, multi-unit dwellings, and rental properties — so that we could provide property owners like you true peace of mind.

Types of Properties We Can Provide Insurance Solutions For

  • Commercial properties
  • Condos and condo associations
  • Student dormitories
  • Rental properties
  • Homeowners
  • Single-dwelling landlords
  • High-value homes
  • Multi-dwelling units or multi-family homes
  • Manufactured home communities
  • Mobile homes and mobile home parks
  • Hotels and motels
  • Apartment buildings
  • HOA insurance
  • And more!
View All

Property Insurance Coverage Options


Can provide protection for the physical structure of your home, including the walls, roof, floors, and built-in features like plumbing and electrical systems.

Other Structures

Can provide protection for structures on your property that are not directly attached to your primary dwelling, such as detached garages, sheds, fences, and guesthouses.

Natural Disasters

Coverage for damages due to natural disasters such as earthquakes, floods, wind, and wildfires.

TRU Umbrella

Additional coverage to fill the gaps and exclusions in your existing policy. Learn more.


Can provide protection for damage or destruction of a building or structure due to a sudden and unexpected collapse. This coverage typically applies when the collapse is caused by a covered peril.

Personal Liability

Can provide financial protection in case you are held legally responsible for third-party bodily injury or third-party property damage, and they decide to file a claim or lawsuit against you.

Animal Liability

Provides coverage for third-party bodily injury and property damage caused by an animal that you own, such as a pet dog or guard dog. Learn more.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.


This type of coverage can apply to various forms of malicious destruction, including graffiti, broken windows, or other intentional damage inflicted by individuals without the property owner’s permission.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Replacement Cost

Coverage to reimburse for the replacement of a covered and claimed item.

Loss of Use

Can provide financial protection when your property becomes uninhabitable or unusable due to a covered peril, and you need to find alternative accommodations or facilities while your property is being repaired or rebuilt.

Owner’s Personal Property

Safeguards your scheduled, personal belongings inside your property in case they are damaged, destroyed, or stolen due to covered perils.

Habitational Insurance

Covers owners of commercial residential property in cases of tenant or third-party personal injury and property damage claims arising from theft, fire, and more.

View All

FAQ About Property Insurance

Can Property Insurance Help With Multi-Dwelling Housing Establishments?

If you own or manage large-scale or multi-dwelling housing establishments, you need a policy that can cover circumstances relevant to your property types to protect your business. If you need an insurance partner who understands the nuances and complexities of your property business, you can find the expertise you need with XINSURANCE.

Can You Help With Unique Needs and High-Risk Property Insurance?

As specialty brokers, we’re able to provide insurance solutions to help cover circumstances that insurance providers typically avoid or refuse to insure.

  1. Natural disasters such as floods, mudslides, earthquakes, wildfires, hurricanes, and more
  2. High-risk communities, such as those in coastal states like California and Florida, where natural disasters or property damages are likelier.
  3. Unusual risks that other insurers may exclude from their policies. For example, we can cover roofs 10 years older or more.
  4. Complicated claims history that may include high-cost or frequent claims.
  5. Pet breeds that are excluded by other property policies.

How Much Is Specialty Property Liability Insurance?

The cost of a specialty insurance solution depends on your property’s size, location, features, value, and other factors. Our team is happy to provide a quote once they learn a few details about you and your property.

Can I Get Coverage in My State?

XINSURANCE offers insurance solutions for businesses and individuals in all 50 states. We can help you when the other guys can’t or won’t insure you.

What Are the Unique Risks of Being a Property Owner?

Many property owners are facing increased risk. Coastal areas, such as California and Florida, are facing more weather-related risks, such as wildfires, floods, earthquakes, and more. Other properties face risk every day for things like vandalism and theft. These are common perils that more and more insurance carriers are dropping coverage for. However, XINSURANCE is here to step in, provide customized coverage solutions, and fill the gaps.

What Is Habitational Insurance?

Habitational insurance is a form of property owners’ liability insurance for landlords. It provides protection for claims made by your tenants, their guests, and other third parties for personal property loss or injuries that happen on your property due to a covered risk.

View All

How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

When Your Property Is at Risk, You Need True Protection

Flexible underwriting allows us to provide custom coverage solutions for high risks that insurance companies often avoid. Beyond that, we believe in the lasting power of comprehensive, high-quality insurance that can provide genuine peace of mind when disaster strikes.

Contact us to explore coverage options for properties at high risk of natural perils such as floods, mudslides, earthquakes, wildfires, hurricanes, and more.

Know the Facts

2022 is the 8th consecutive year in which 10 or more billion-dollar weather and climate disaster events have impacted the U.S. (18 such events in 2022).

More than one million people go to the emergency room each year for a slip and fall accident

According to the US Bureau of Justice Statistics, burglars hit renters more frequently than homeowners—and that’s been the trend for decades.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service