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City Condominium Insurance

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For Your City Housing Owners

Our City Condo Insurance program addresses the needs of property owners 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.

Property owners in the urban environment have specific coverage needs. Ensure your city dwelling clients have the right coverage.

The right coverage for your city condo clients.

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What Kind Of Real Estate?

Designed for the following city property types:

  • Condos
  • CO-OPs
  • Brownstones
  • Mixed-Use
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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.

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Our Features

  • Advantages of our Condo Package Insurance Program:

    • 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
  • Coverage & Limits of Condo Package Insurance:

    • “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 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.

Real Estate Resources

  • Real Estate Program Overview

    Learn more about how you can protect your Real Estate clients.

    Download Resource
  • Distinguished Real Estate Umbrella

    When your clients need market-leading high-limit protection.

    Download Resource
  • City Insurance Program

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

    Download Resource
  • New York Brick & Brownstone Insurance

    Designed specifically for New York to provide the right coverage.

    Download Resource
  • Distinguished Overview

    Specialized Insurance for Real Estate, Community Associations, Hotels and Restaurants.

    Download Resource
  • Distinguished Umbrella Overview

    Get your clients Umbrella coverage for Real Estate, Restaurants, Community Associations and Hotels

    Download Resource
  • Why Your Real Estate Clients Need Umbrella Insurance

    Quick 2-minute overview of why your real estate clients need umbrella insurance

    Download Resource
  • City Insurance & NYBB Sedgwick Repair Solutions

    Provide your clients with a referral service for vetted tradespeople.

    Download Resource
  • Express City Insurance Umbrella

    Distinguished’s Express City Insurance Umbrella provides essential protection for rental (1-5 locations) and condo properties

    Download Resource
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