What is City Insurance?

This is an excerpt from our free “Broker’s Guide to City Insurance Program” eBook. Click here to download your copy.

The Property insurance market for habitation risks – including multi-family, apartments, condos, and co-ops – has experienced consistent rate increases over the last several years as a result of loss frequency and severity. Catastrophe-exposed areas, in particular, have been hit harder than others, with some carriers making appetite changes or exiting the space.

Distinguished Programs continues to offer agents a competitively priced, stable program for habitational risks through our City Insurance program. Our underwriting integrity, focus on city/urban setting, and long-standing relationships with both our carriers and retail agents have enabled us to continually provide a home for property owners and landlords of city homes.

What is City Insurance?

From frame-built condos that line the streets in the charming neighborhoods of San Francisco to the brick-veneer apartments dotting the Denver urban landscape, 19th-century brownstones in Philly, “room with a view” co-ops in downtown Chicago, and Boston’s mixed-used multi-family properties, Distinguished Programs offers comprehensive insurance protection for city housing.

City Insurance is an all-risk package policy that provides General Liability and Property insurance to habitational risks in cities across the country, as well as older, joisted masonry and frame buildings in certain cities throughout the East Coast, Midwest, and West Coast. As experts in the property insurance market, Distinguished Programs wanted to address the growing needs of small and large property investors of individual and scheduled multi-family and owner- or tenant-occupied properties with a flexible and affordable insurance program. The program enables brokers to work successfully with individual owners of thousands of smaller, distinctive properties across many of the country’s largest cities.

Our City Insurance program offers three different programs: City Multi-Family, City Landlord, and City Condo.

Who Should Buy City Insurance?

City Insurance provides specialized insurance coverage to meet the needs of property owners and landlords. Our appetite includes city homes with anywhere from two to four units and larger properties with up to 100 units in a single building. Multiple properties can also be listed on a schedule, whether you own one property or many properties.

Who is Eligible for City Insurance?

Depending on the property type, you can select the right program fit for your client. City Multi-Family covers, as the name implies, multi-family properties and mixed-use properties and extends personal lines coverage for owner-occupied properties; City Landlord covers apartments, brownstones, and mixed-used properties; and City Condo covers condos, co-ops, brownstones, and mixed-used properties.

Download our free eBook to continue reading.

About Distinguished Programs

Distinguished Programs is a leading national insurance Program Manager providing specialized insurance programs to brokers and agents with specific expertise in Real Estate, Community Associations, Hotels, and Restaurants. Property and liability products are distributed through a national network of agents and brokers. Serving the same core markets and partnering with the most stable and reputable carriers, Distinguished Programs’ high-limit umbrella programs remain the clear choice in its areas of specialty for superior coverage, competitive pricing, and attentive service. Through thoughtful innovation, stemming back to 1995, Distinguished Programs fosters growth and opportunities for its brokers, carriers, and employees.

View a full list of our programs and submit business with Distinguished.

‣ Register Your Agency
‣ Learn More
‣ Contact Us

New call-to-action