Most real estate investors think they're covered. They're not.

After reviewing hundreds of property portfolios, here are the 3 gaps I see over and over:

1. Vacancy coverage gaps

Standard landlord policies often exclude loss of rental income if a tenant leaves and the unit sits empty. If you have a 60-day vacancy on a $2,500/mo unit, that's $5,000 gone — and your policy might not reimburse a cent.

2. Renovation liability blind spots

Flippers, this one's for you. Your general liability might not cover injuries that happen during active renovation. If a contractor gets hurt and your policy has a "construction exclusion," you're writing that check yourself.

3. Underinsured replacement cost

Property values have moved fast. If you bought a building at $300K five years ago and haven't updated your coverage, you might be insured for $300K on a property that would cost $450K to rebuild today. That delta comes out of your pocket.

The fix isn't complicated — it just requires someone who actually understands investor portfolios to look at your policies. That's what we do at Grey Eagles.