Obie Insurance Review

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Contributor, Benzinga
January 3, 2022
Overall Rating:
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Obie is reinventing the insurance process for landlords and rental property investors. Obie makes requesting a quote and getting coverage simple, affordable and transparent. No back-and-forth with brokers or surprise costs at signing — the way insurance buying should be. 

Founded in 2017 and headquartered in Chicago, Obie has raised a total of $13.7 million and is backed by investors including Battery Ventures, Thomvest Ventures, Funders Club, Second Century Ventures and Metaprop. 

Obie’s mission is to provide a simple, affordable and transparent insurance experience for landlords and real estate investors. 

Obie streamlines landlord insurance. Landlords in all 50 states can get an instant quote in two minutes or less. Getting a quote and purchasing a policy online has never been faster, making it easy to get covered and protect your investment.


Best For
  • Landlords
  • Investment property owners
  • Property managers
  • Lenders
  • Institutional buyers
  • Insurance policies available in all 50 states
  • Policies for single family homes to multi-unit properties
  • Easy, quick quote process
  • Save 25% on average by switching to Obie
  • Can be difficult to find the FAQs on its website

Obie Ratings at a Glance

Insurance Customer Service
Insurance Pricing
Insurance User Benefits
Insurance User Experience
Insurance Overall

Landlord and Rental Property Insurance From Obie

Obie offers insurance designed for landlords and rental property investors. Insurance from Obie is available in all 50 states, taking out the guesswork of whether you can cover properties across the country. 

Obie’s insurance policies can cover a variety of dwellings and portfolios of all sizes. This includes single-family rentals, multi-family homes, duplexes, condos and apartment buildings with more than 5 units. Remember, this could be a large operation or a family that owns a few units, maybe even 1 unit. You simply need to find affordable insurance that will allow you to manage your business properly and protect your most valuable investment.

The policies don’t require that the rental is occupied all year, either. If you use your property as a short-term rental for Airbnb or another short-stay service, you can still get coverage. You can also get coverage if your property is vacant, including if you’re in the process of renovating or flipping the rental.

Obie Insurance Customer Service

Obie offers several ways for its customers and potential customers to get in touch. There is an online Help Center where you can browse frequently asked questions. You can also use the website to have a conversation with Obie’s interactive chatbot. 

To talk to someone at Obie directly, you can send an email, call the phone line or reach out via social media on Twitter or LinkedIn. There is also a contact form embedded on Obie’s website. Feel free to ask as many questions as you need before purchasing a policy or even completing an application. Because the customer service level with Obie is so high, you can easily learn what you need to know and make an informed decision.

Obie Insurance Pricing

The price of a policy from Obie is based on several factors, so it’s impossible to provide a price without knowing anything about a property. All of the factors that insurance companies use to determine the price of your landlord insurance policy are based on your individual property. 

This includes the size, location and condition of the building. It may also include factors such as whether you have security features such as burglar alarms or motion sensors in the home. 

Fortunately, it’s quick and easy to get a quote online so you can see what your Obie policy might cost. In general, people usually save about 25% with Obie. 

Obie Insurance User Benefits

There are several benefits to using Obie. First, the questionnaire to get a quote for your property only takes 2 minutes to complete. If you don’t want to go through all of that, you can even get an instant estimate by simply inputting your property address. 

Obie also offers complete transparency to its customers. If you purchase an Obie rental property insurance policy, you’ll have a customer dashboard that can be used to easily access your insurance documents. You can get customized coverage using Obie’s step-by-step process to ensure you have what you need. 

Obie’s real-time insurance pricing can accurately forecast rates for underwriting. With its data-driven approach, Obie can offer the most competitive pricing. This can allow you to increase your cash flow by decreasing the amount that you pay in insurance premiums. 

Another benefit you can get from Obie is its risk map and risk review. You can use Obie’s interactive map to see which risks exist near your property. This might include potential flooding, tornados, earthquakes and hurricane risks. By using these tools, you can visualize and prepare for the potential risks that your property may face.

Obie Insurance User Experience

No matter what product you’re purchasing, the user experience can make all of the difference. Fortunately, Obie’s easy-to-use website and simple process make finding insurance as enjoyable as it possibly could be. 

A quick skim through the website’s home page gives you all of the information you need to know to determine whether you’re in the right place. You’ll see graphics and short descriptions informing you what types of dwellings it covers, and you’ll also find a button to reach out if you don’t see the type of coverage you need. 

It’s easy to find the quote button. From there, all you have to do is let Obie know whether your property is owned by an individual or a company, and provide the appropriate information. 

Some insurance policies ask a lot of questions that you may feel you need to guess on, but Obie’s process only asks for the basics. It will guide you through all of the questions, and if you need assistance, the chatbot is ready and waiting in the bottom corner of the screen.

Obie vs. Competitors

As a newer insurance company, Obie’s innovative approach allows it to stand above its competitors in many ways. Obie’s insurance is specifically designed for landlords and rental property owners, which already sets it apart from many of the insurance giants you’re probably used to hearing about. The fact that its policies are available in all 50 states also sets Obie apart. 

The fact is that Obie’s approach allows it to provide competitive pricing that you might not find anywhere else. You’ll also get a transparent, user-friendly experience, which can be difficult to get from insurance providers who offer other types of policies in addition to landlord and multifamily insurance. This is also a good way to save money and time when you’re trying to get covered quickly.

Obie also makes it easier for smaller outfits to gain access to the insurance they need because larger insurance brokers might charge too much or price policies with more expensive carriers.

Obie Insurance Overall

Obie’s straightforward approach to landlord insurance is a refreshing change from the rest of the insurance world. With this provider, you can rest assured knowing that you have coverage for your rental property, no matter what the circumstances may be. 

The fact that Obie offers coverage nationwide is a huge benefit, especially if you own property in more than 1 state. Its flexible and customizable coverage is also a huge bonus. If you need landlord insurance, get a quote from Obie today.

Frequently Asked Questions


Is landlord insurance worth having?


Yes. If you own and rent out a property, it is worth having a landlord insurance policy. Homeowners insurance will not cover your property if you are renting it out, so be sure to get the proper coverage before you need it.


What insurance is a landlord responsible for?


Landlords are responsible for an insurance policy that is designed to protect themselves from financial losses. Landlord insurance is similar to a homeowners insurance policy because it generally covers the dwelling and other structures owned by the landlord, along with liability coverage in case someone is injured on the property. 


Landlords are not responsible for insurance coverage for the tenant and the tenant’s belongings. Tenants need to get a renters insurance policy for that type of coverage.

User Reviews

Lawrence Fraher

How do you use this product to boost your finances?

My guy was Nick L and i just can not say enough nice things about him. An absolute professional and a pleasure to work with.

Mike Williams

How do you use this product to boost your finances?

Great experience, simple and great price

William Ganz

How do you use this product to boost your finances?

I have tried for 2 weeks for a call back. Please have someone call me at 3057201525ll me back asap at

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