Frequently Asked Questions
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Coverage
Where does B'ham Ins Group offer policies for investment real estate?
Our programs and policies provide coverage in all 50 states + Washington, DC.
What type of coverage does B'ham Ins Group provide for investors / landlords?
Tenant-occupied investment properties only: Property, Liability, Builder's Risk, Loss of Rents, Backup of Water/Sewer/Drains (1–4 units).
Which investment properties qualify for the B'ham Ins Group program?
Single-family residences, duplexes, triplexes, and quadplexes.
Does B'ham Ins Group cover vacant houses?
Some of our insurance carrier's programs offer coverage for vacant and/or unoccupied dwellings.
Are fences, A/C units, and detached buildings covered?
Yes, fences (if attached), A/C units, and detached structures (up to 10% of the property limit) are included.
Does B'ham Ins Group offer different deductible options?
Yes, $2,500, $5,000 and $10,000 deductible options are available.
What limits are available with a B'ham Ins Group policy?
Property limits typically range from $50,000 to $1,000,000.
How much does Loss of Rents coverage cost?
Loss of Rents is incredibly affordable and varies with our program! We highly recommend including this coverage—it's low-cost and provides great peace of mind and income during a claim if your property were to be damaged and the tenant had to move out.
What kind of policy do you offer?
Our programs and policies are designed specifically for real estate investors / landlords, offering specialized coverage for this industry.
What risks are covered under the policy?
It includes coverage for common risks like theft, fire, tornado damage, and more.
Quote
How do I get a quote from B'ham Ins Group?
Simply complete our online form and our team will email you options to review in 1-2 business days.
Payment options
Does B'ham Ins Group offer premium payment options?
Payment plans include: monthly, quarterly, semi-annual, annual and escrow paid options.
How can I pay for my B'ham Ins Group policy?
Acceptable payment methods: ACH, Debit/Credit Cards, and Escrow (processing fees may apply).
How are transactions processed?
All transactions are processed through our insurance carrier's secured payment processing systems.
Can you set up my payment method for me?
For security and privacy reasons, we do not enter or manage payment information on behalf of clients. This ensures your financial data remains private and secure.
Will I have access to my billing details?
Yes. You’ll have full control and visibility over your account and billing information through our team or from the insurance company.
Policy Adjustments
How do I request changes to my existing insurance coverage?
Simply email our service team - [email protected] for any/all policy changes.
Claims
How do I file a claim?
Simply email us - [email protected] to submit a claim and attach any documents, reports, videos or pictures. A 3rd Party claims adjuster should contact you within 48 - 72 hours.
Renewals
What is the policy for annual renewals with auto-pay?
Auto-pay must be re-selected at each renewal. Payment methods do not carry over automatically.
What happens if I disable the auto-renewal feature?
Reminders are sent 30 and 10 days before expiration; manual renewal is required if auto-renew is disabled.
How will I know when my policy is up for renewal?
Renewal notices are emailed 30 and 10 days before expiration; a renewal offer is also available in the
portal 30 days prior to the expiration. Click Saved Quotes and Pending Renewals Tab.
Cancellation Policy
Can I cancel my policy at any time?
Yes, you may cancel your policy at any time. There are no restrictions on when you can request a cancellation.
What happens if I cancel and still have a balance due?
If there’s any outstanding premium, you will need to settle the balance directly with the insurance company.
Will I get a refund if I cancel early?
Yes. If you're owed any unearned premium after cancellation, the insurance company will issue a refund for the unused portion of your policy.
How long does it take to process a cancellation?
Please allow 7–10 business days for your cancellation request to be reviewed by the insurance company's underwriting and accounting team. If you are requesting a backdated cancellation, please allow an additional 5–7 business days for processing.
Policy Valuation
Are the B'ham Ins Group policies issued as Replacement Cost?
Yes, provided the property is insured to at least 80% of the Replacement Cost Estimate (RCE).
How do I determine the value to insure my investment property for with B'ham Ins Group?
Our various insurance company partners underwrite policies based on replacement cost. Each quote includes the RCE value for your property.
Do I have to use the RCE figure if I didn’t pay or borrow as much as that amount?
It varies by insurance company. Typically, if a property is not insured to at least 80% of the RCE, the policy defaults to an Actual Cash Value (ACV) policy.
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At Birmingham Insurance Group, we go beyond property and casualty coverage—we’re your trusted partner in real estate risk management. Founded by investors for investors, we provide tailored insurance solutions for SFR and MFR properties nationwide.
$2,500 Deductible
$5,000 Deductible
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