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​Citadel's Real Estate Investors Program


Your portfolio scaled. Your insurance should too.

Most carriers price rental property like it's simple. A duplex here, a single-family there. But, if you've built a real portfolio — multi-state, mixed-use, small apartment buildings — you already know: standard markets don't work for you.

Citadel's REI Program was built for the successful investor.

We specialize in the habitational segment most carriers avoid — small apartment buildings, portfolio schedules, mixed occupancies — and we write it as a single, managed program rather than a patchwork of policies.


Connect with an REI Expert

REI Program Overview

Target Classes

Residential single family rental dwellings, duplexes, triplexes, and quadplexes (1-4 units residential)
Apartment / habitational properties from 5 units to 20 units per location
Walls-in condominium units and townhome units
Location total insured value up to $2M
Solutions for both short and long term rentals
Renovations: short cosmetic or structural exposure as property is prepared to rent
Vacancy: allowed between tenants, real estate closings, or dwellings being held for sale

Program Highlights

No cap on the portfolio's number of locations
Commercial forms for serious investors needing quality asset and operational protection
Exclusive program with package (property & liability) coverage in 47 states
Ability to accept any age of construction. A human underwriter can review risk appetite and quality at each location.
​General liability only in TX, OK, HI
Written on Hadron Specialty Insurance Company AM Best Rating “A-” (Excellent) - Financial Size VIII
​
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Coverage Features

  • Simplified human-led underwriting optimized for the small habitational market
  • Property: up to $2M TIV per location
  • General Liability: $1M/$2M, up to $2M/$4M by request
  • BPP: up to $100K
  • IM: up to $750K
  • Property deductibles from $2.5K - $25K
  • Multiple coinsurance and loss settlement options
  • Flexibility to offer wind, ex-wind/hail, or ex-named storm
  • Low minimum premium: $4K for package
  • Opportunities to provide A&B, firearms, and dog bite sub-limits
  • Risk retention groups available with $5M+ GWP

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Recent Wins

Mixed Use Schedule

  • Coverage Lines & Limts
    • Package Quote $20M TIV
    • GL included Assault and Battery

Premium: $79,000

Schedule of Duplexes

  • Coverage Lines & Limts
    • Package Quote $6M TIV 
    • EBD included

Premium: $29,350

Schedule of Single Family Dwellings

  • Coverage Lines & Limts
    • GL Only 
    • A&B Included $100K/200K limits

Premium: $31,500

How To Submit

Detailed SOV with COPE data, loss runs, and signed supplemental application
ACORDs 125, 126, and 140 can also be submitted

Supplemental Application
SOV Template
Send Submission

Neil Cronkrite

Director of Business Development

ncronkrite@citadelus.com
(385) 417-3035

Let's Connect

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