At Decus Insurance Brokers we are able to offer coverage for financial institutions, loan servicers and property investors. This includes Lender Placed Hazard protection or Collateral Protection Insurance. This is an Insurance policy placed by a lender, bank or loan servicer on a home when the property owners’ own Insurance is cancelled, has lapsed or is deemed insufficient. This Insurance allows the lender to protect its financial interest in the property. We also provide Real Estate Owned (REO) cover whereby a financial institution forecloses on a property following loan delinquency or an investor purchases a portfolio of properties.

Our facilities are written 100% with certain Underwriters at Lloyd’s of London as well as various Company Markets.

Turnaround time

We aim to respond within 24 – 48 hours as our facility offers in-house underwriting for the smaller institutions


Our facilities provide coverage to:

  • a) “Lending Institutions" in respect of their portfolio of Uninsured Properties, both in respect of their hazard exposure and their Flood Exposure
  • and/or
  • b) “Lending Institutions" or other Real Estate Owning Corporations in respect of their foreclosed and/or owned real estate portfolios.