About Fix and Flip Guard Insurance
Insurance for the real estate investor who buys a house to renovate and resell — the structure while it is under construction, the materials and the tools on the site, and the liability of running an active rehab.
Fix and Flip Guard Insurance is a brand of Wexford Insurance, LLC (NPN 19887690), a licensed specialty insurance agency in Greenwood, IN. We are licensed in 48 states — every U.S. state except HI and AK — and we place coverage through 10+ markets we hold appointments with.
Nate Jones, CPCU
Nate Jones is the founder of Fix and Flip Guard Insurance and of Wexford Insurance, LLC. He holds the Chartered Property Casualty Underwriter (CPCU) designation and studied Insurance & Risk Management at Indiana State University.
He writes the coverage pages and the state pages on this site: what a builders risk policy is built to protect and where it stops, what a dwelling form quietly stops answering once the walls are open, and how licensing, permitting and the residual market change at every state line. He is the named reviewer on every page here.
How this site is researched and written
Every state page and cost guide here is built from a research packet for that state — who licenses the trades, who issues the permit, what the standard property form leaves out, whether there is a residual market when nobody else will write the house — and each field records the agency page or form it was read from. Where a field could not be confirmed from a primary source, the page says so in place of the fact instead of filling the gap. We publish no premium figures, because a renovation is priced off the specific job rather than off an average.
Drafting is AI-assisted; the sourcing and the review are not. Pages are drafted with the help of large language models working from those verified packets, then read and corrected by Nate Jones, CPCU, a licensed agent. Nothing goes up that he has not read. We work this way because it is what makes it practical to keep 48 states of licensing and permitting detail current and to re-check it on a schedule — it does not decide what is true, and where a draft and a source disagree, the source wins.
Kami Jones
Kami Jones co-founded Wexford Insurance, LLC and runs the agency operations behind every submission this site produces.
What we do not write
A project bought to be finished and sold is ours. A building bought to be held and let is not, and neither is a house somebody already lives in. If that is what you own, our sister brand in the footer is the right door.