70% of rental properties are underinsured. Carriers are exiting entire states. Investors are discovering insurance kills their deal after they're under contract. UnderwriteMyDeal tells you the truth about insurability before you commit.
Our insurance intelligence engine — built by professionals with 20+ years of commercial insurance experience — evaluates your property against real underwriting criteria across all 50 states. No guesswork.
Is this property insurable in the standard market, or are you looking at surplus lines and state plans? Get a clear answer with specific reasons before you make an offer.
Get a realistic premium range based on your property type, state, tier classification, and Total Insurable Value — not a generic guess. HO-3, DP-3, and Commercial rates for all 50 states.
Knob-and-tube wiring, flood zones, flat tar roofs, prior claims, vacancy — every factor that triggers higher premiums, declinations, or non-renewal is flagged with its specific impact.
Replacement cost vs. market value. Missing ordinance/law coverage on pre-1980 buildings. Inadequate liability limits. Vacancy clause exposure. We find the gaps that cost landlords thousands.
Based on your property's characteristics and state, we assess whether preferred carriers will write it, whether you'll need surplus lines, or if you're limited to state plans like FAIR or Citizens.
If your property has insurability issues, we tell you exactly what to fix, what it costs, and how much it will save you annually. Turn a Tier 3 property into Tier 1 with targeted improvements.
Screen any property for insurability before you make an offer. Know the real insurance cost so your deal analysis reflects reality, not a guess.
Audit your existing rental properties to find coverage gaps, overpayments, and non-renewal risks before they become expensive surprises.
Address, year built, construction type, roof, electrical, plumbing, units. Our form takes 2-3 minutes and auto-fills flood zone, fire risk, and crime data from public APIs.
Our insurance engine — built by professionals with 20+ years of experience — determines your policy type, classifies your tier, calculates TIV, estimates your premium, and identifies every risk flag.
Receive a comprehensive report with insurability verdict, premium estimate, tier classification, coverage gaps, carrier appetite, and a specific remediation roadmap — in minutes.
Free instant check shows tier + estimated premium range. Full reports unlock the complete intelligence.
Most AI tools give you generic output. Most insurance tools want to sell you a policy. UnderwriteMyDeal is different — our insurance engine is built by professionals who have structured landlord insurance programs, evaluated hundreds of investment properties, and know exactly what carriers look for when they decide whether to write or decline a risk.
Every rate table, every tier trigger, every coverage gap we flag is based on how actual underwriting works in the real market — not theoretical models or training data. When we tell you a property is Tier 3, we're telling you what a carrier's underwriter would conclude when they review the submission.