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Distinguished Programs
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Distinguished Programs
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City Program - Multi-family, Condo and Landlord Insurance

Distinguished Programs offers a specialized City Multi-Family Insurance Program designed for residential property owners operating in urban environments. This program is ideal for buildings with 2 to 100 units, including mixed-use properties with ground-floor mercantile exposure. With a streamlined online portal for submission, quoting, and binding, agents can efficiently place business and provide robust coverage for their clients in key metropolitan areas.

Urban property owners face unique risks, from aging infrastructure to tenant liability and ordinance requirements. This program is built to meet those needs with competitive pricing and comprehensive coverage options tailored to small-to-mid-size city properties.

Ideal Accounts and Appetite

  • Multi-family buildings with 2–100 units (sweet spot: 2–15 units)
  • Condominiums, co-ops, brownstones, and mixed-use properties
  • Owner-occupied dwellings eligible for Personal Lines forms
  • Properties valued between $1M–$3M, with TIV up to $25M

You might have a client who owns a 10-unit apartment building with a retail store on the ground floor or a small condo complex in a busy metro area. This program is designed for exactly those types of risks.

Coverage Highlights and Advantages

  • Personal Lines forms available for owner-occupied units
  • Pools now eligible, subject to safety compliance
  • Access to qualified repair vendors via Sedgwick Repair Services
  • Package policy includes Equipment Breakdown, Sewer/Drain Backup, and Ordinance or Law A, B & C
  • Replacement Cost valuation
  • Electronic policy delivery and automatic renewals
  • Simple, digital application process

Underwriting Notes and Minimum Premiums

  • Eligible construction: joisted masonry or better; no age limit with system upgrades
  • Specific construction accepted in select markets (e.g., brick veneer in Denver, frame in San Francisco & others)
  • Minimum premium varies by risk and location

Territories and Availability

The City Program is available in the following states: CA, CO, IL, MD, MA, MN, MO, NJ, OR, PA, VA, and WA. Admitted in most available states, this program ensures peace of mind for both agents and insureds seeking stability and compliance.

Why Work With Distinguished Programs?

Distinguished Programs is a trusted Managing General Agency with a focus on niche real estate insurance solutions. With access to various carriers and a proven track record of delivering efficient, cost-effective underwriting, agents can rely on Distinguished to handle urban multi-family risks with confidence. The intuitive digital platform, responsive service, and built-in risk management tools make this program a strong choice for brokers looking to grow their real estate book.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for small-to-mid-size multi-family properties, including condos, co-ops, and mixed-use buildings with 2 to 100 units, especially those located in urban areas.

Can the program cover buildings with retail or commercial space?

Yes, properties with ground-floor mercantile exposure are eligible as part of the mixed-use category.

Are older buildings eligible for coverage?

Yes, there is no age limit on buildings, provided necessary system upgrades have been made and the construction type meets eligibility criteria.

Is this program available on an admitted basis?

Yes, the program is admitted in most available states, offering regulatory stability and broader market acceptance.

How do agents submit and bind coverage?

Agents can use Distinguished Programs’ online portal to submit, quote, and bind coverage quickly and efficiently.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency
  • Carriers:

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CONTACT INFORMATION

LOCATION

1180 Ave of the Americas, 16th Floor
New York, NY 10036
888-355-4626
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Distinguished Programs has other insurance programs like Builders Risk Insurance .