Comprehensive urban property insurance for landlords and real estate investors in Washington DC, Maryland, and Virginia.
The City Insurance Program is designed for owners of residential rental properties in densely built urban areas — historic rowhouses, townhouses, brownstones, and small multifamily buildings with two to eight units. It is ideally suited for landlords who hold one or a small number of properties and want a straightforward, all-inclusive policy without assembling coverage from multiple carriers.
The program provides broad named-peril or open-peril dwelling coverage at replacement-cost value. Covered perils include fire, lightning, windstorm, hail, explosion, riot, aircraft, vehicles, smoke, vandalism, and water damage from internal plumbing failures. Loss-of-rents coverage is included as standard, replacing rental income during the period of restoration up to 12 months. Optional coverage extensions are available for equipment breakdown, water backup, and bed-bug infestation.
Commercial General Liability (CGL) protection covers bodily injury and property damage claims arising from the ownership or maintenance of the insured premises. The policy responds to slip-and-fall incidents, dog-bite claims (subject to breed exclusions), and injuries sustained by tenants or third parties on the property. Personal umbrella limits can be added for landlords with high-net-worth exposure.
The City Insurance Program is placed on admitted paper with A-rated carriers, keeping premiums competitive and claims processes straightforward. Policies are written on a 12-month basis with no short-rate cancellation penalty. The program is specifically underwritten for the DC Metro market, so underwriters understand historic construction, masonry walls, and flat roofs — common features that general insurers often penalise.
| Coverage element | Typical limit / structure |
|---|---|
| Carrier paper | Admitted, A-rated |
| Property limits | Replacement cost value (RCV) |
| Loss-of-rents | Actual loss sustained, 12-month max |
| CGL limits | $1,000,000 per occurrence / $2,000,000 aggregate |
| Medical payments | $5,000 per person |
| Water backup | Optional — $25,000 to $100,000 |
| Equipment breakdown | Optional — up to $100,000 |
| Personal umbrella | Optional — $1,000,000 to $5,000,000 |
| Deductible | Typically $2,500–$5,000 (negotiable) |
| Policy term | 12 months, annual renewal |
Download Product Prospectus
⇩ City Insurance Program — Prospectus (PDF)