City Landlord Insurance

For your smaller urban real estate.

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For your City Housing Owners


Our City Landlord 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

2 - 100

2 to 100 Units

Builder’s Risk – Outdated

 Comprehensive Coverage

Express Real Estate Umbrella

Online Submit-Quote-Bind


City Insurance Program rentals and condos are now eligible for Express Real Estate Umbrella insurance. Give your clients the additional coverage they need to have peace of mind. This umbrella caters to smaller schedules (1-5 locations) with lower limit needs (up to $10M). For larger schedules, reach out to your Sales Executive.

Submit business today for existing City Insurance rentals and condos through the 24/7 Online Portal. When you submit, we will confirm eligibility for umbrella coverage on our end.

Light Umbrella Check

what kind of Real Estate?

Designed for the following City property types:

  • Apartments
  • Brownstones
  • Mixed-Use


Express Real Estate Umbrella

Single or Multiple Locations

Express Real Estate Umbrella

Well-Maintained Properties


No Age-Limit on Building

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.


  • 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
  • NEW! Rentals and condos are now eligible for Express Real Estate 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
  • NEW! Rentals and condos are now eligible for Express Real Estate 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 San Francisco, CA; Los Angeles, CA; Boston, MA (condos only); Cincinnati, OH; Cleveland, OH; Columbus, OH; Portland, OR; Nashville, TN; 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 States:

  East Midwest West
       Baltimore, MD Chicago, IL Bakersfield, CA**
  Boston, MA Minneapolis, MN Fresno, CA**
  NJ Gold Coast* St. Paul, MN Los Angeles, CA
  Charlotte, NC** St. Louis, MO Sacramento, CA**
  Durham, NC** San Francisco Bay Area, CA
  Cleveland, OH  San Diego, CA
  Columbus, OH  Colorado Springs, CO**
  Cincinnati, OH  Denver, CO
  Nashville, TN Fort Collins, CO**
  Milwaukee, WI Portland, OR
  Madison, WI  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

  • $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

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. 


City Insurance Program

Coverage that addresses the specialty needs of smaller urban real estate.

City Insurance and Community Assoc Package Comparison Chart

City Insurance & NYBB Sedgwick Repair Solutions

Provide your clients with a referral service for vetted tradespeople.