One Less Worry

The Aon Difference


Aon (NYSE: AON) is one of the largest providers of innovative insurance solutions to individuals and businesses throughout the world.

  • 72,000 employees working out of more than 500 offices in 120 countries worldwide
  • One of the largest insurance brokers in the world, according to the Insurance Information Institute
  • Ranks in the top 500 in Fortune Magazine’s top 2,000 global companies
  • Clients include over half of the Fortune 500 and a third of the Fortune Global 500

Aon’s vast industry resources allows for the creation of highly competitive insurance programs, such as Aon Residential Investor Solutions, which was specifically designed to meet an urgent need in the rental market.  To learn more about Aon, please visit


Aon Residential Investor Solutions


As an investor in residential properties, you may have had difficulty obtaining property and casualty insurance coverage that meets the terms and conditions of a lender’s loan requirements. Aon Residential Investor Solutions has been specifically developed to help fulfill those requirements at a competitive premium.


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Aon Residential Investor Solutions is the program name for the brokerage and program administration operations of Financial & Professional Risk Solutions, Inc.; (TX Lic# 15890); in California DBA; FPR Solutions, Inc. License 0G83953

 All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy. 

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Obtaining coverage is as easy as 1… 2… 3!

Sales and Service: 1-844-264-7246

Monday through Friday from 9:00 a.m. to 5:00 p.m. ET.

Property insurance integrated
with the loan process

Aon Residential Investor Solutions was developed specifically for lenders to assist them with securing affordable, comprehensive coverage for their loan customers. 

To get started, simply contact your loan officer. They will provide us with the details necessary to provide you with an insurance quote for your rental property. We will then send you the quote via email.


  • 1-4 family dwellings, including condos and townhomes, used as rental properties
  • Program available in all 50 states

Lender Requirements

  • Policy helps meet insurance requirements set forth in loan application
  • At minimum, building limit will cover the amount of the loan
  • No coinsurance clause
  • Carrier is “A” rated by A.M. Best

Property Coverage

  • Building
  • Personal Property
  • Loss of Rents
  • Builders Risk
  • Vacant Properties

Optional Coverage

  • Flood and Earthquake coverage is available by endorsement

Commercial General Liability

  • Offers payment for bodily injury and property damage lawsuits arising out of ownership of the named property up to the coverage limits, excluding:
    • Violation of federal, state or local habitability, health and safety laws
    • Litigation arising out of the owner or tenant’s pets
  • Personal liability coverage for libel, slander, invasion of privacy, malicious prosecution and false arrest included
  • Coverage includes legal defense costs

Property Coverage



  • Written on a special “all risk” policy form (comparable to most homeowner’s policies)
  • All risks of loss are covered, except those perils specifically excluded in the policy
  • Claims adjusted on a replacement cost basis up to amount of insurance if repaired or replaced
  • Windstorm and hail deductible: $2,500 or 2% deductible (whichever is greater)

Personal Property

  • Tenant’s property is not covered, but items belonging to the property owner such as washer, dryer and refrigerator may be included
  • Personal property claims are adjusted on an actual cash value basis

Loss of Rents

  • Six months of Loss of Rents coverage included after a covered claim

Builders Risk

  • Coverage is included for buildings undergoing construction or renovations

Vacant Properties

  • If a property is vacant for more than 90 days, insurance typically excludes coverage for vandalism, theft, glass breakage and water damage claims
  • Vacancy Endorsement supplies coverage for vacant buildings