The Obie Blog

From coverage clarity to practical property tips, explore what you need to keep your real estate investments protected.

The Baldwin Group Completes Acquisition of Obie

The Baldwin Group has completed its acquisition of Obie, strengthening its embedded insurance distribution capabilities across the real estate investor ecosystem. The partnership expands access to technology-driven insurance solutions for landlords while preserving Obie’s specialized focus, nationwide reach, and platform-led approach to modern insurance distribution.

Obie Named “Insurance Company of the Year” at IMN’s SFR Industry Awards

Obie is named IMN’s 2025 Insurance Company of the Year for redefining landlord insurance with expert coverage, integrations, and tools built for SFR investors.

More Carriers. More Control. Obie Adds Markel to Empower Investors With More Insurance Options.

By integrating with Markel, a leading name in specialty insurance, Obie expands its capacity for its nationwide program, giving landlords greater flexibility, better pricing, and coverage tailored to their investment strategies.

Obie Named to 2025 Inc. 5000, Ranking in the Top 10 for Insurance

Obie ranked #350 on the 2025 Inc. 5000 and #9 in Insurance, marking a 500+ spot leap from last year. This recognition reflects our commitment to faster coverage, stronger partnerships, and supporting the real estate investment ecosystem.

Meet the New Obie: Moving Investment Property Insurance Forward

The insurance industry is changing rapidly—and Obie is evolving with it.

Obie Ranks Among Highest-Scoring Businesses on Inc. Magazine’s Annual List of Best Workplaces for 2023

Obie named among best workplaces that are setting the new standard for a great company culture.

How to Get Rid of Squatters: What Every Landlord Should Know

Learn how to get rid of squatters, your options for legal recourse, and whether your landlord insurance covers the legal expenses.

Obie Partners with Marketplace Homes

Obie is proud to announce a new partnership with Marketplace Homes, a national real estate company providing guaranteed solutions at scale.

Obie Partners With Atlas Real Estate

Obie is proud to announce that we have partnered with Atlas Real Estate, a Denver-based real estate company that provides property management services along with an in house and real estate brokerage. Through this partnership, Obie and Atlas Real Estate will provide a streamlined insurance process for Atlas investor clients.

Obie Partners with Awning: A Powerful Partnership for Investors with Short-Term Rental Properties

Obie Partners with Awning to provide a simple insurance solution for short-term rentals.

Nestment Selects Obie as their Insurance Partner to Streamline the Insurance Process for Co-buyers

Nestment selects Obie as their insurance partner.

Obie Named a Financial Times Fastest Growing Company for 2023

Obie, a Chicago-based insurtech, claimed the 119th spot on the fastest growing companies, by the Financial Times.

New Partnership Between Obie and LoanBidz.com Offers Simpler Experience for Investors

Obie and LoanBidz.com by Investment Property Loan Exchange have partnered to offer a convenient experience for investors looking to simplify financing and insurance for their rental properties.

50-Item Rental Property Deductions Checklist [Free Template]

This article discusses how creating a rental property deduction checklist can help ensure you take full advantage of available tax savings.

A Free Landlord-Tenant Utility Agreement Template

This article explores how to create an effective utility agreement and shares additional clauses landlords should know about and potentially include in a lease agreement.

Water Damage in Rental Property: What Landlords Need to Know

Learn what landlords need to know about when it comes to water damage in a rental property, when to use your landlord insurance to cover any damages, and how to ensure the protection of both tenants and landlords.

Should Rental Property Be in an LLC or Trust? Pros/Cons of Each

Learn how LLC’s and Trusts work as a rental property holder, their advantages and disadvantages, specific factors to consider when choosing which one to use, and common pitfalls to avoid.

A Clear & Simple Guide to Creating an LLC for Rental Property

his article will guide you through the entire process of forming an LLC for rental property investments in detail, so you’ll know exactly what you need to do should you choose this path.

A Free 5-Point Annual Landlord Inspection Checklist Template

In this article, you’ll learn the steps for inspecting your property to keep it in good condition. Read on to learn how to craft the perfect annual inspection checklist, and download a free sample template you can customize and start using today.

A Better Borrowing Experience Meets The New Standard in Landlord Insurance: Obie Partners with BEST Lending Co

Helping real estate investors secure funding with hassle-free insurance quotes.

How to Avoid Dog Damage in Your Rental Property

Discover the best ways to keep your rental property safe from damage caused by dogs, including how to screen tenants who own one.

Obie Wins Placement on HousingWire Tech100 Real Estate Award List

Obie was honored with a place on the 2023 HousingWire Tech100 Real Estate Award List.

Obie Announced as Top Private Y-Combinator Company

Obie was announced as part of the 2023 Top Y-Combinator Private Companies list.

The Essential Checklist for First-Time Landlords

Becoming a landlord is more than just owning property. This complete checklist walks you through preparation, tenants, rent collection, and more.

19 Powerful Tools Every Landlord Should Know About

From digital apps to insurance solutions, these landlord tools save time, reduce stress, and make managing rental properties easier.

Why Landlord Insurance Is More Expensive than Homeowners

In this article, you’ll learn the fundamental differences between the two types of insurance so you can decide which policy is best for your situation.

A Sample Repair Letter from Landlord to Tenant (Free Template)

This article will explain the importance of sending a letter to request repairs to a tenant rather than making a verbal request and how this may impact a tenant’s security deposit.

How to Create an Ironclad Rent Roll Template [Free Template]

In this article, you’ll learn what a rent roll report is, how it works, and how to create your own rent roll, including a template you can download for free.

Does Landlord Insurance Cover Fire Damage?

In this article, we'll look at one of the key components of landlord insurance—fire damage coverage—to help you better understand the protections included in your policy.

A Free and Simple Fillable Rent Ledger Template (Excel, PDF)

This article will discuss the benefits of using a rent ledger and how you can create one for yourself. As a bonus, you’ll find a rent ledger template you can download for free.

Understanding the Basics of Real Estate Asset Protection

In this article, you’ll learn what real estate asset protection is, why it matters for investors, different strategies for protecting real estate assets, and how asset protection ties into overall wealth preservation.

How Long Can a Tenant Stay After the Lease Expires?

In this article, you’ll learn how long a tenant can stay after the lease expires, how to send them notice that their tenancy will not be renewed or extended, and some tips for handling the situation without running afoul of landlord-tenant laws.

Obie Awarded Built In Best Places to Work 2023

At Obie, cultivating a positive culture that supports all members of our team is a top priority. It’s in our values to do good, and that means treating our team well. It’s for this reason that the Obie team is extremely proud to be recognized by Built In as one the Best Startups to Work For in Chicago in its 2023 Best Places to Work Awards list. We’re deeply grateful for what each member of our team adds to the organization, helping bring the Obie culture to life

Obierisk.com is Now ObieInsurance.com

Obieinsurance.com is the new home for Obie. Obierisk.com now redirects here so you can access the same insurance experience in one place.

Does Landlord Insurance Cover Vandalism?

Here’s how insurers typically handle vandalized property and what you can do to protect yourself from this costly risk.

Landlord Insurance vs. Umbrella Policy: The Landlord’s Guide

As a landlord or real estate investor in rental properties, you may wonder if you need landlord insurance or an umbrella policy. Landlord insurance is a type of property insurance that protects landlords from financial losses due to damage to their rental property or from liability claims made by tenants. Umbrella policies provide additional liability coverage above and beyond what is already provided by your landlord insurance policy. So which one do you need? This guide will help you understand the difference between these two types of insurance and which one is right for you.

What You Need to Know about Short-Term Rental Insurance Cost and Coverage

Your homeowner's insurance won't cover guest damages. This mistake can be costly. Learn how short-term rental insurance is built to protect your business.

How to Send a Notice to Vacate (Free Template and State Rules)

You've been a good landlord, providing your tenant with a quality, well-maintained home to live in and offering plenty of notice when you make any changes. But what do you do when it's time to ask them to leave? It can be difficult to tell a renter you need them to vacate the property, and there are many reasons why this may be what's best for you and your business. However, not giving proper notice to vacate can lead to costly legal battles and months of lost rent.

How Much Renters Insurance Should a Landlord Require in 2026?

So what is the appropriate amount of coverage? Here's a quick rundown of what landlords need to know about renters insurance, including how much coverage tenants should have.

What’s The Average Cost of Commercial Property Insurance?

Insurance costs impact profitability. Here’s what landlords and investors should know about average commercial property insurance rates.

Mixed Use Property Insurance: A Clear & Simple Guide for 2026

Mixed-use properties bring unique insurance requirements and revenue opportunities by combining residential and commercial tenants.

Where To Find the Best Insurance for Apartment Buildings

As an apartment building owner or manager, you know that there are a lot of things to keep track of—from maintenance and repairs to rent collection and lease agreements. One of the most important things on your list should be finding the right insurance for your property. With so many options, it can be tough to know where to start. Don't worry - we’re here to help you make sense of things. This blog post will give you tips on finding the best insurance for your apartment building and share some things to keep in mind as you compare policies. So read on, and rest assured, knowing that you're well on your way to finding the right coverage for your property.

What Is Vacancy Clause Insurance, and Do I Need It?

If you're a real estate investor, landlord, or property manager, you're probably always looking for ways to save money on your properties. One way you can do that is by carefully choosing your insurance policy. A vacancy clause (also called an unoccupied property clause) is a rider that can be added to your insurance policy and will exclude or limit coverage for certain types of damage while your property is vacant. In this article, we'll discuss what vacancy clause insurance is, what it covers, and how to decide whether or not you need it.

Do You Really Need Public Liability Insurance as a Landlord?

Are you a landlord wondering if public liability insurance is necessary for your rental property? Many landlords are confused about the difference between public liability insurance and their general or umbrella coverage. While it may seem like just another type of insurance to add to your already growing list, public liability coverage can protect you from certain kinds of lawsuits and damages that fall outside of your general policy coverage. It's important to understand the risks associated with renting out properties and make sure that you have the appropriate coverage in place.

Multifamily Property Insurance 101: The Clear and Simple Guide

Many investors consider multifamily properties a solid and affordable avenue for venturing into real estate. The increasing demand, which is expected to remain as younger people defer purchasing single-family homes due to high costs, promises attractive returns in the future. To make money in this industry, it is important to consider things that could affect your investment.

Dwelling Fire vs. Landlord Policies: What You Need to Know

A fire in a rental property can have devastating consequences for a landlord. If the right insurance policy is not in place, the landlord could be left with a huge financial burden. The cost of repairing the damage caused by the fire can be high. If the property is left uninhabitable, the landlord may also have to pay for alternative accommodation for the tenants. In some cases, the landlord may even be liable for damages if their negligence caused the fire.

Damage Protection Insurance for Short-Term Rental Property [2026 Guide]

Short-term rentals have taken over the market in the last decade. Many travelers have opted for this accommodation as it offers a feel-at-home vibe at a lower cost than a hotel room and often more amenities. ‍Online accommodation marketplaces alone have properties listed in the millions. For instance, Airbnb currently has over 5 million listings worldwide. The short-term rental market presents an opportunity for property owners to make money, whether you are managing a portfolio of vacation homes or are a homeowner with an extra room looking to make some extra cash on the side.

Building Insurance Coverage: What You Need To Know

Learn the essentials of building insurance coverage so landlords and property owners can protect assets against damage, loss, and liability.

Second Home vs Rental Property Insurance: What’s the Difference?

In this article, we'll break down the key differences between the two types of coverage so you can decide which policy fits your unique situation.

How Much Liability Insurance Do You Need for a Rental Property?

When you're a landlord, there are a lot of risks that come with the territory. Fires, theft, natural disasters, and even lawsuits can all be potential hazards. That's why it's important to have adequate insurance coverage in place. But how much is enough? And what kind of policies should you be looking for?

Does Landlord Insurance Cover Vacancy?

In this article, we'll explore how landlord insurance can (and can't) help if your rental property is unoccupied for an extended period.

How to Get Insurance for a 5-Unit Apartment Building

Many landlords and property managers mistakenly believe that a standard landlord policy will adequately cover them in the event of a loss. But that isn’t always the case. Depending on your coverage, you may be exposed to unexpected costs in the event of a significant loss. ‍That's why protecting your apartment building with the right insurance is one of the smartest decisions you can make. But what type of insurance should you buy? And how much does it cost?‍In this article, we’ll break down the basics of insuring a 5-unit apartment building. You'll learn about the different types of coverage available and how to decide on the amount of insurance necessary to protect your investment.

How to Successfully File a Claim for Your Rental Property

Are you a rental property owner who needs to file an insurance claim? ‍Filing a property insurance claim can be daunting, but don't worry! Knowing where to start is often the most challenging part of filing a claim.‍In this article, we'll walk you through the steps to successfully file an insurance claim for your rental property.

The 15 Best Real Estate Calculators Across The Internet

Find the best free and paid real estate calculators to help landlords and investors analyze rental income, cash flow, ROI, and property value.

Obie Partners With Flock to Bring Institutional, Cost-Efficient Solutions to Retiring Landlords

Obie is excited to announce a new partnership with Flock, a tech-enabled real estate platform offering the retirement solution for landlords.

Landlord Focused Insurtech Launches Agent Appointment Program

The insurtech industry has grown from innovation and automation in the insurance process with a greater goal of improving the customer experience for real estate investors. Obie, a Chicago-based insurtech, plans on utilizing proprietary advances in automation to not only improve the insurance process for real estate investors, but also to support independent insurance agents. This is a first in the space of landlord insurance, with automation becoming a benefit to the independent insurance agent.

PeerStreet Selects Insuretech Obie as a Partner

Obie is partnering with PeerStreet to streamline the insurance process for lenders and real estate investors.

8 Reasons Why You Need Landlord Insurance

You don't want your insurance to fall short when you need it most. So why do you need landlord insurance versus some other kind? Let's dig in.

Triplex Insurance: How it Works and What it Covers

Triplexes can be a great real estate investment or a place for family members to live close to one another. This article explains the kind of insurance triplexes require.

Obie and RL Property Management Group Partnership Improves the Insurance Experience for Ohio-Based Property Managers

Obie is partnering with RL Property Management Group to improve the insurance experience for Ohio-based property managers.

Fourplex Insurance: How it Works and What it Covers

A fourplex can be a great investment, but they require specific insurance. This article will explain what you need to know about how to insure your fourplex.

What is Landlord Liability Insurance? A Guide to Coverage and Cost

Landlord liability insurance pays legal and medical bills when someone is hurt or property is damaged at your rental. At Obie, coverage of $100k–$1M costs roughly $150–$1,000 a year, with price tied to property size, location, claims history, and coverage amount.

Duplex Insurance: How it Works and What it Covers

A duplex can be a great real estate investment, but they require specific insurance. This article will explain what you need to know about duplex insurance.

What to Know About Flood Insurance for Rental Property in 2026

Did you know that at least half a million properties in the U.S. face a risk of flood water damage? To make matters worse, flood risk is growing. New maps indicate flood damage will increase by at least 26% in the next three decades, thanks partly to climate change. But, perhaps, the most worrying takeaway for real estate investors is that their standard landlord insurance would not cover any damages caused by a flood. Yes, you read that right!

Landlord Insurance Advice: 8 Important Things to Consider

It’s not uncommon for landlords to make lapses in getting the right types of coverage for their properties. Often, it’s not their fault. Understanding the ins and outs of insurance has typically been a complicated process that makes it hard for property owners to figure out what they really need in a policy. These are 8 important things to consider when looking for landlord insurance.

Does Landlord Insurance Cover Tenant Injury?

As a landlord, you must keep your property safe. You can be held liable for tenant injuries from known hazards you failed to fix, like a broken step.

Does Homeowners Insurance Typically Cover a Rental Property?

Some landlords assume their homeowners insurance policy will cover damages to their rental properties as well. ‍Unfortunately, this isn't usually the case. In fact, many homeowners policies specifically exclude rental properties from coverage.‍Protecting your investment is a top priority, and with the right insurance policy in place, you can rest easy knowing that you're covered in case of the unexpected. This article will explain the types of coverage available for landlords and how to make sure your property is protected.

Insurance For Renting Your Home: The New Landlord’s Guide

Sometimes, becoming a landlord takes you by surprise. If you’re an accidental landlord, this article will detail what kind of insurance you need.

What to Know About Landlord Insurance in Wisconsin

If you own a rental property in the Badger State, this article will explain what you need to know about landlord insurance in Wisconsin.

What You Need to Know About Landlord Insurance in Michigan

Do you own or are you considering buying rental property in The Great Lakes State? This article will tell you what you need to know about landlord insurance in Michigan.

Obie Recognized on Business Insurance’s Best Places to Work 2022 List

BusinessInsurance.com recently recognized the industry’s top insurance companies to work for in 2022, placing Obie on the list. Recognitions like this don't come easy, however.

What to Know About Landlord Insurance in Pennsylvania

Do you own or are you considering buying rental property in the Keystone State? This article will tell you what you need to know about landlord insurance in Pennsylvania.

Is a Rental Dwelling Policy The Same as Landlord Insurance?

There are many types of insurance policies. This will explain if rental dwelling policies and landlord insurance are the same type of policy.

What to Know About Landlord Insurance in Indiana

Do you own or are you considering buying rental property in the Hoosier State? This article will tell you what you need to know about landlord insurance in Indiana.

The Best Multifamily Landlord Insurance Companies of 2026

Multifamily rental properties are a different animal to single-family homes. These are the best multifamily insurance providers in 2025.

LLC Rental Property Insurance: How to Choose The Right Policy

An LLC can help protect your assets. The right insurance policy for your LLC-held rental properties can help protect your investment.

Obie Earns Spot on Inc 5000

Obie, an industry-pioneer in the insurance and proptech space, earned a spot on the 2022 Inc 5000 list at number 685.Obie is an insurtech company focused on bringing speed and transparency to real estate investors during the process of obtaining insurance. Obie has identified several strategic ways to do this which has helped the company catapult itself to being a leader in insurance.

New Obie and LoanBase Partnership Streamlines the Insurance Process

Through this partnership, landlords and investors can access insurance seamlessly while securing financing through LoanBase..

What to Know About Landlord Insurance in California

If you own or are considering buying rental property in California, you’ll need landlord insurance. This article will explain what you need to know about landlord insurance in The Golden State.

Obie and Backflip Work to Increase Transparency for Real Estate Investors Through New Partnership

Obie and Backflip join forces to simplify insurance and financing, giving real estate investors a faster, more transparent closing process.

What to Know About Landlord Insurance in Colorado

If you own or are considering buying rental property in Colorado, you’ll need landlord insurance. This article will explain what you need to know about landlord insurance in The Centennial State.

Inflation is Affecting Real Estate Investor Insurance Rates and May Negatively Impact Cashflow

Real estate investors have begun to see insurance premiums rise due to inflation. There are several factors at play and a few practical ways to avoid unnecessary increases.

DP1 Insurance Policy: What It Covers and When It’s Useful

DP1 policies offer the basics and sometimes that’s enough. This article breaks down what DP1 actually covers, where it falls short, and why some landlords still choose it anyway.

DP1 vs. DP2 vs. DP3: Which Insurance Policy Fits Your Needs?

Landlords have a lot of choices when it comes to insurance, and it can be quite confusing. This article will explain the difference between DP1, DP2, and DP3 policies.

DP3 Insurance Policy: What it Covers and When It’s Useful

In this article, we’ll cover the details of DP3 policies and what they cover so you can better understand if it’s something you need for your property.

DP2 Insurance Policy: What it Covers and When It’s Most Useful

Curious what DP2 insurance policies are and what they cover? This article will explain the details of this policy.

What to Know About Landlord Insurance in Illinois

If you're a landlord in Illinois, it's essential to know how insurance for rental property works and how to find the best coverage for your needs. This blog post will take a closer look at landlord insurance in Illinois to help you make an informed decision about which policies are best for you and your rental property.

What To Know About Landlord Insurance in Ohio

This blog post will discuss what landlord insurance is and why you need it, and some of the specific coverage options available. So if you're thinking about buying or renting out a property in Ohio, be sure to read on!

How to Get Landlord Insurance For Multiple Properties

By the end of this article, you will better understand how to insure multiple properties and where to find the best landlord insurance.

Understanding the Importance of Landlord Insurance

Learn more about finding the best landlord insurance and some of the top companies to consider when purchasing insurance for a rental property. At the end of this article, we'll cover some of the frequently asked questions real estate investors have about landlord insurance for rental property.

Where To Find The Best Short-Term Rental Insurance In 2026

This article will delve deeper into the meaning of short-term rental insurance, how it works, why you need it, and some of the best insurers you can use.

How Much Landlord Insurance You Need: A Clear and Simple Guide

This article will discuss the main types of landlord insurance coverage, how landlord insurance differs from homeowners insurance, and the best places to find landlord insurance for rental property.

How Much Does Landlord Insurance Cost in 2026?

Landlord insurance in 2026 typically costs $800 to $3,000 per year for a 3-bed/2-bath single-family rental, depending on the state.

10 Types of Insurance for Real Estate Investors To Consider

In this article, you will learn about the different types of insurance for real estate investors so you can decide which ones are right for your specific needs.

Obie Partners With Here to Provide Insurance Support in the Short-Term Rental Space

Obie and Here have partnered to enable real estate investors to more easily expand their portfolios into the vacation rental market.

Obie Partners with New Silver

Obie has partnered with New Silver to make getting insured simple and quick for real estate investors who have leveraged New Silver’s lending technology. Investors can now get approved and close on a loan with New Silver in 7 days and insure their asset instantly with Obie.

Obie Partners With Fund That Flip to Streamline their Lending Process

Obie and Fund That Flip are working together to eliminate the insurance headaches associated with closing on a loan on your investment property.

Obie Teams Up With Roofstock

Obie is teaming up with Roofstock to help streamline investment property transactions.

Obie Partners With Baselane to Simplify Landlord Finances

Obie Partners With Baselane to Simplify Landlord Finances

2021 Year in Review

We've been hard at work in 2021. See how we've grown, what we've done, and where we're headed in our year- end review.

6 Tips for Renting Out Your Home in the Winter

Have a vacant rental property in the winter? Don't fret. Follow these six tips to attract and keep tenants in the cold winter months.

7 Holiday Home Disasters & Whether Your Insurance Will Cover Them or Not

Protect your rental property this holiday season. Be prepared for these 7 home disasters and know what your landlord insurance will cover.

How to Buy Rental Property: 7 Tips for First-Time Investors

Looking to invest in real estate? Here's how you can buy rental property and become a landlord.

Obie Announces Partnership With Fractional to Make Investing More Accessible

Obie announces partnership with Fractional — a social platform for real estate investing with others. Through this partnership, investors can buy rental property and get coverage all in one place.

How Much to Charge for Rent? A 5-Step Guide for Landlords

Monthly Rent = (Home Value × 0.8 % to 1.1 %), then cross-check expenses, comparable listings, and any local rent caps. This range keeps cash flow positive while staying competitive for tenants.

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Obie Insurance Services, LLC - License #'s

AK #3001323846

AL #3000908445

AR #3000916052

AZ #3000916073

CA #6002583

CO #648689

CT #2716551

DC #3001009541

DE #3001247094

FL #L109506

GA #213072

HI #534451

IA #3000916206

ID #838797

IL #3001410691

IN #3563275

KS #845129262-000

KY #1091384

LA #863278

MA #2141684

MD #3000916120

ME #AGN378956

MI #128349

MN #40736335

MO #3000915661

MS #15040365

MT #3001247095

NC #1000712051

ND #3001247091

NE #3001266894

NH #3001152116

NJ #3001232518

NM #3002380649

NV #3562275

NY #1638380

OH #1313308

OK #3000916108

PA #953805

PA #1027420

PA #1038898

RI #3001151816

SC #3000916142

SD #10027388

TN #3001140087

TX #2538944

UT #819412

VA #148902

VT #3653729

WA #1101235

WI #3000916141

WV#3001232811

WY #460662

Obie Insurance Group, LLC - License #'s

AZ #3001495975

CA #6006652

CO #709122

FL #L114608

IL #3001410691

IN #3715685

IN #3726236

MD #3001485673

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NJ #3001475592

NV #3715355

NV #3733855

OH #1389553

OH #1396167

OR #3001525732

PA #1027420

PA #1038898

TN #3001475594

TX #2720237

TX #2722701

UT #886292

UT #886293

VA #152131

WI #3001475580