// Coverage Types
Specialty Real Estate Insurance

Coverage built for builders, flippers and real estate investors.

From the framing stage to the final flip, MaxShield writes the kind of short-term, high-flexibility policies that traditional carriers won't touch. Quotes in hours, not weeks.

24h
Quote Turnaround
3–12mo
Flexible Policy Terms
100%
Investor-Focused Coverage
3
Specialty Coverage Lines
Our Coverage

Specialty coverage for every phase of your project.

Most insurance carriers want a stabilized property with a long lease. We write what they decline — vacant homes, ground-up construction, fix-and-flip projects, and short-term holds.

Available Now 01 / Builders Risk

Builders Risk Insurance

Coverage during construction or renovation — from foundation to final walk-through. Designed for fix-and-flippers, ground-up builders, and rehab investors. Residential or commercial, 3 to 12 month terms.

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Available Now 02 / Vacant Property

Vacant Property Coverage

Protection for properties between tenants, in probate, awaiting renovation, or sitting on the market. Flexible terms with no occupancy penalties — built for the realities of real estate investing.

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Available Now 03 / Homeowners

Homeowners Insurance

Standard homeowners coverage for primary residences — dwelling, personal property, liability, and loss of use. Built around the same fast, transparent process as our specialty lines.

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Why MaxShield

A broker that actually understands your deal.

Quotes in Hours

Submit your details and receive a real, bindable quote within 24 hours — most come back same-day. No back-and-forth, no chasing underwriters.

Built for Investors

We speak the language of LLCs, hard-money lenders, mortgagee clauses, and ARV. You won't waste time explaining what a flip is.

Multiple Carriers

We shop your risk across multiple A-rated specialty carriers so you get the right coverage at the right price — not whatever one carrier will offer.

How It Works

From quote to bound, in four steps.

01
Submit

Fill out our quote form with property and project details. Takes about 3 minutes.

02
Quote

We shop your risk across carriers and return a quote — usually within 24 hours.

03
Review

We walk you through coverage, deductibles, and answer questions. No pressure.

04
Bind

Sign, pay, and your policy is in force. Certificates issued same day.

Ready to insure your next project?

Whether you're closing on a flip next week or planning a ground-up build next year, we'll have you covered.

Coverage Lines

Choose your coverage type.

Select the policy that fits your project. Each line has its own intake form tuned to that coverage — we'll get you a real quote within 24 hours.

Quote Request

Tell us about your project — we'll handle the rest.

Takes about 3 minutes. All fields can be edited later. We typically respond within 24 hours, often the same day.

Pre-filled for Builders Risk

Insured information

Step 1 of 4 — Who's the named insured?

Property details

Step 2 of 4 — Where and what are we insuring? Fill in what you know — only the address is required.

Project & coverage

Step 3 of 4 — Tell us about the work and the coverage you need. All optional — leave anything blank you're not sure about and we'll follow up.

Review & submit

Step 4 of 4 — Anything we should know? Then submit and we'll be in touch within 24 hours.

Quote request received.

Thanks — we've got your details. Expect a response from our team within 24 hours, often the same day. We'll follow up via email with your quote.

About MaxShield

Built for the fix-and-flip economy.

MaxShield is a specialty insurance agency focused on one thing: short-term real estate coverage for active investors. Builders risk and vacant property policies are our entire business — not a side product line, not an afterthought, not something we tack on between auto and life policies.

Traditional brokers struggle with the deals we specialize in. Fix-and-flips don't fit a 12-month homeowners form. Ground-up builds get declined by standard carriers. Vacant properties trigger exclusions in landlord policies after 60 days. So investors end up underinsured, overpaying, or stuck waiting weeks for a quote that should take hours.

We built MaxShield to solve that. Bindable quotes in 24 hours. Flexible 3, 6, or 12-month terms. Coverage that bends to your project, not the other way around. We've cultivated direct relationships with the specialty carriers who actually want this business — so you get competitive pricing on policies built for how you actually operate.

If you're flipping a property, building from the ground up, or holding a vacant asset — we're built for you.

01 / Speed

Quotes in Hours, Not Weeks

Real estate moves fast. Closings don't wait on underwriters. Our intake, carrier relationships, and submission process are tuned to deliver bindable quotes in 24 hours or less.

02 / Specialization

Specialty First, Homeowners Too

Builders risk and vacant property are our core focus — the policies most agencies won't touch. We also write standard homeowners coverage for clients who want the same fast, transparent process across all their policies.

03 / Flexibility

Policies Sized to Your Project

3, 6, or 12-month terms. Renovation policies that convert when work begins. Mortgagee changes when you refinance. Coverage that bends to match your project timeline, not the other way around.

04 / Transparency

No Jargon, No Surprises

We tell you what's covered, what isn't, and what your deductible means in plain English. If a carrier declines or restricts coverage, we tell you why — and we work to find an alternative.

Andrew, Founder of MaxShield

Founder

Andrew

Founder & Principal Broker

Andrew is a real estate investor with over six years of active investing experience — he understands first-hand what it takes to close a flip, navigate a refinance, and keep a project on schedule. He knows how much rides on getting a fast, accurate quote when a closing date is looming.

He started his career in insurance as an independent adjustor in 2020, working alongside established agencies and brokers on claims across the country. That experience gave him a clear view of where the industry was failing real estate investors — slow quotes, misunderstood risk, gaps in coverage nobody flagged until a claim happened.

MaxShield is the agency he built to fix that. Fast quotes, fair pricing, and coverage that actually fits the deal.

Let's get your next deal covered.

Start a quote in under 3 minutes. We'll do the rest.

Coverage 01 / Available Now

Builders Risk Insurance.

Coverage for property under construction or renovation — designed for fix-and-flippers, ground-up builders, and rehab investors. Whether you're demoing studs or pouring foundation, our builders risk policies protect the structure, materials, and work in progress against fire, theft, vandalism, and more.

We write 3, 6, and 12 month terms for residential and commercial projects, with flexible mid-policy options if your timeline shifts.

Coverage

Structure, Materials & Labor

The building under construction, materials on-site, and in some cases materials in transit or temporary storage.

Perils

Basic or Special Form

Choose between named-peril (basic) or open-peril (special form) coverage based on your risk tolerance and budget.

Term

3, 6, or 12 Months

Short-term coverage that matches your project timeline. Extensions available if work runs over.

Property

Residential or Commercial

Single-family rehabs, multifamily new construction, mixed-use, and small commercial projects all welcome.

Get a builders risk quote today.

3 minutes to submit. 24 hours to a quote. Bind same day.

Coverage 02 / Available Now

Vacant Property Coverage.

Most standard homeowners and landlord policies exclude vacancy after 30 to 60 days. If your property is sitting empty between tenants, in probate, awaiting renovation, or just hasn't sold yet, you're likely uninsured exactly when you need coverage most.

Our vacant property policies fill that gap — with flexible terms, no occupancy penalties, and coverage tailored to the realities of real estate investing.

Use Cases

Between Tenants or Buyers

Properties listed for sale, awaiting a new tenant, in turnover, or held vacant intentionally during a hold strategy.

Use Cases

Pre-Renovation Holds

Just closed but not yet started renovations? Get vacant coverage now and switch to builders risk when work begins.

Use Cases

Probate & Estate Properties

Inherited or estate-held properties often sit vacant for months. We cover the gap until the property is sold or transferred.

Coverage

Fire, Theft, Vandalism

Named-peril and special-form options available. Liability coverage can be added for an additional premium.

Insure your vacant property today.

Don't wait for a standard policy to lapse vacancy coverage. Get the right policy from day one.

Coverage 03 / Available Now

Homeowners Insurance.

Standard homeowners coverage for primary residences — dwelling, personal property, liability, and loss of use. The same fast turnaround and transparent pricing we built our specialty lines around, applied to one of the most important policies you'll ever buy.

Whether you're buying your first home, refinancing, or shopping for a better rate on an existing policy, we'll quote you across multiple carriers and walk you through what each policy actually covers.

Coverage A

Dwelling

Protection for the structure of your home — walls, roof, foundation, built-in appliances — typically written at replacement cost.

Coverage C

Personal Property

Coverage for the contents of your home — furniture, electronics, clothing, and everyday belongings. Replacement cost or actual cash value options available.

Coverage E

Personal Liability

Protection if someone is injured on your property or you're held liable for damages elsewhere. Standard limits typically start at $100,000.

Coverage D

Loss of Use

Pays for additional living expenses — hotel, meals, rentals — if a covered loss makes your home temporarily uninhabitable.

Quote your homeowners policy.

Get a real quote across multiple carriers — usually within 24 hours.

Coming Soon

Dwelling Fire (DP-3).

We're still building this one out. Comprehensive named-peril and open-peril coverage for non-owner-occupied homes — perfect for landlords and long-term hold investors. Want early access? Drop us a note when you start a quote.

Coming Soon

Landlord & Rental.

Still programming this product. Single-family rentals, multifamily portfolios, and short-term rental coverage with loss-of-rents protection and liability — all on the way. Reach out and we'll let you know the moment it's live.

Coming Soon

Commercial Property.

This one's in development. Coverage for retail, office, industrial, and mixed-use buildings with tailored deductibles, replacement-cost valuation, and business income protection. Want a heads up when we launch?

Coming Soon

General Liability.

Coming soon. Premises and operations liability for property owners, contractors, and investors — pairs perfectly with our builders risk and vacant policies. Drop us a line and we'll notify you when it's available.