Landlord Property Package Insurance

Partner With Us

For Your City Housing Owners

Our City Landlord Package Insurance program addresses the needs of property owners (who are also landlords) with two to 100 units, including mixed-use, in designated cities. Easy, online submit-quote-bind makes it efficient and simple to get your clients covered.

Available in 32 designated cities nationwide, this program provides comprehensive coverage with various value-added benefits.

The right coverage for your city landlord clients.

Learn more about costs and coverages, Landlord Insurance: Costs and Coverages in the City

Submit Now

2 To 100 Units

Comprehensive Coverage

Online Submit-Quote-Bind

What Kind Of Real Estate?

Designed for the following City property types:

Apartments
Brownstones
Mixed-Use

Submit Now

Single Or Multiple Locations

Well-Maintained Properties

No Age-Limit On Building

Not Sure if this is the Right Program?

Select a program to check coverage in your area.

Umbrella Coverage Available!

City Insurance Program rentals (1-5 locations) and condos are eligible for Express City Insurance Umbrella, providing essential additional coverage for your clients’ peace of mind. Designed for properties with lower limit needs (up to $10M), this umbrella steps in when primary coverage is exhausted.

Submit business today for existing City Insurance rentals and condos through the Broker Connect Portal.

Need more limits? Check out our high-limit Real Estate Umbrella program.

Submit Now

Sedgwick Repair Services
With access to Sedgwick Repair Services, insureds can repair or renovate with confidence. Sedgwick provides recommendations for local vetted and certified tradespeople.
Includes Specific Coverages
In a city environment, it is important to have coverages like Crime and Building Ordinance, to give your clients the kind of protection they need.
Yes On Mixed-Use
Mixed-use buildings are common in the city, retail on the ground level, habitational on the upper levels. City Landlord Insurance covers these types of property.
The Sweet Spot
Around 95% of habitational units in the city are mixed-use, with two to 15 units. That also happens to be our sweet spot and most competitive segment.

Our Features

- Competitively priced package policy that includes coverage for Equipment Breakdown, Back-up of Sewer and Drains, & Ordinance or Law A, B & C
- Policy holders have access to vetted, qualified tradespeople via Sedgwick Repair Services
- Easy-to-complete application on our on-line portal
- Automatic renewal process
- Availability of Personal Lines forms for owner-occupied properties for contents coverage and additional liability coverage
- Now permitting pools (subject to safety requirements)
- Replacement Cost valuation
- Electronic policy delivery
- Rentals and condos are eligible for Express City Insurance Umbrella
- “All risk” policy form unless the loss or damage is excluded or limited by other provisions
- Ordinance or Law
  - Included loss to undamaged portion of building
  - Additional limits for demolition cost
  - Additional limits for increased cost of construction
- Replacement Cost with Agreed amount endorsement
- Back-up of Sewers and Drains included
- Minimum AOP deductible $1,000 with $2,500 water damage deductible; AOP deductible options up to $25,000
- Terrorism (TRIA) coverage included automatically
- Equipment Breakdown/building machinery, heating/cooling systems, miscellaneous electrical apparatus
- Optional & flexible Flood and Quake coverage – sub-limit applied and extended after underwriter review
- Hired & Non-Owned Automobile
- Crime
- Employee Benefits
- Rentals and condos are now eligible for Express City Insurance Umbrella
- Size: 2-100 units
  - Frame 2-30 units
- Construction: joisted masonry or better; no age limit on building, subject to system upgrades
- Brick veneer in Denver, CO; Minneapolis and St. Paul, MN
- Frame in Los Angeles, Fresno, San Bernandino, San Francisco, and San Jose, CA; Boston, MA (condos only); Charlotte, NC; Greensboro, NC; Raleigh, NC; Cincinnati, OH; Cleveland, OH; Columbus, OH; Portland, OR; Nashville, TN; Arlington, VA; Richmond, VA; Seattle, WA; Milwaukee, WI; Madison, WI
- Classes: apartment buildings, condos, co-ops, brownstones, mixed use
- TIV up to $25M
  - Frame with mercantile – $6M
  - Frame without mercantile – $15M
Eligible Metropolitan Areas:

East
Baltimore, MD
Boston, MA
NJ Gold Coast*
Charlotte, NC**
Durham, NC**
Greensboro, NC**
Raleigh, NC**
Philadelphia, PA
Pittsburgh, PA
Washington, DC
Richmond, VA***
Northern VA Metro area***
- Alexandria
- Annandale
- Mclean
Midwest
Chicago, IL
Minneapolis, MN
St. Paul, MN
St. Louis, MO
Kansas City, MO
Cleveland, OH
Columbus, OH
Cincinnati, OH
Nashville, TN
Milwaukee, WI
Madison, WI

West
Bakersfield, CA
Fresno, CA
Los Angeles, CA
Sacramento, CA
San Francisco Bay Area, CA
San Diego, CA
Colorado Springs, CO
Denver, CO
Fort Collins, CO
Portland, OR
Seattle, WA

* Jersey City, Hoboken, Weehawken, West New York, Union City, North Bergen, Cliffside Part, Fort Lee, Bayonne and Edgewater

** Only available for rental occupancies

*** Personal Lines not available
- $1M per occurrence/$2M aggregate on Bodily Injury, Property Damage, Personal and Advertising Injury
- Medical Payments
- Employee Benefits Liability optional
- Hired & Non-Owned Automobile optional
- $1M per occurrence
- Personal Inland Marine (fine arts, furs, jewelry, silver, bicycles, antiques, musical instruments, cameras)
- Additional Living Expense

Ready to Submit?

It’s easy. Just go to our online portal and get started. If you haven’t registered as a broker, you’ll need to do that first. And if you need any help, we’re here.

Get Appointed Submit Business

Load More Resources

Landlord Property Package Insurance

Partner With Us