Minimizing Subject To Insurance Risks

How To Properly Insure Your Subject-to Deals

November 12, 20251 min read

Protect Your Investment: Insuring a Subject-To Property the Right Way

🏡🛡 Buying properties subject-to the existing mortgage is a powerful creative strategy—but if you don’t insure them correctly, you could be putting the entire deal at risk.

In this tactical episode of the Creative Real Estate Investing Mastery Podcast, we’re breaking down exactly how to insure a subject-to property the right way so you can stay protected, keep the lender satisfied, and avoid triggering the dreaded due-on-sale clause. If you’re doing subject-to deals (or plan to), this is a must-listen.

🎯 What You’ll Learn in This Episode:

✅ Why the insurance process for subject-to deals is different

✅ What type of policy to use (and which to avoid)

✅ How to structure your insurance to protect yourself, the seller, and the lender

✅ Who should be listed as named insured, additional insured, and mortgagee

✅ The biggest mistakes that can cost you the deal—or your coverage

✅ Simple, step-by-step guidance to do it right the first time

🚀 Resources Mentioned:

📩 Join the Creative Deal Partners → https://sub2empire.com/creative-deal-partners

🛠 Grab templates, checklists & contracts → https://sub2empire.com/store

🔐 Access our private community → https://portal.sub2empire.com/login

🔍 Keywords: subject-to insurance strategy, how to insure a subject to deal, creative financing insurance, landlord policy subject to, dp3 policy subject to mortgage, due on sale clause insurance risk, seller held mortgage insurance setup, protecting subject to deals

🛡 Protect the asset. Respect the lender. Lock in the deal the right way.

Ken is a highly successful real estate investor with nearly 25 years of experience and millions of dollars in transactions including buy and hold properties, renovations, lease options, seller financing, note creation/investing, tax sale investing, and even international real estate ownership.

Ken has spent countless hours obtaining advanced and strategic knowledge in numerous areas of real estate investing. His knowledge and experience in real estate propelled him to early retirement at the age of 45, but he didn't rest on his laurels. Instead, Ken redirected his efforts and has devoted his life to helping the next generation of investors become better every day.

Ken is also a self-proclaimed serial entrepreneur with numerous operating businesses in the real estate space as well as his other life-long passions of traveling and health and wellness where he is also a published author.

Ken Rossics

Ken is a highly successful real estate investor with nearly 25 years of experience and millions of dollars in transactions including buy and hold properties, renovations, lease options, seller financing, note creation/investing, tax sale investing, and even international real estate ownership. Ken has spent countless hours obtaining advanced and strategic knowledge in numerous areas of real estate investing. His knowledge and experience in real estate propelled him to early retirement at the age of 45, but he didn't rest on his laurels. Instead, Ken redirected his efforts and has devoted his life to helping the next generation of investors become better every day. Ken is also a self-proclaimed serial entrepreneur with numerous operating businesses in the real estate space as well as his other life-long passions of traveling and health and wellness where he is also a published author.

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