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Real Estate Investors

Most carriers love a single-family rental. Maybe a duplex. 

But the moment you cross into apartment buildings, you become a risk they'd rather not quote.

That's where we come in. Citadel's REI Program is one managed program for the buy-and-hold real estate investor who got here on their own. We provide a insurance solution that scales with the investor's ambition.

Citadel specializes in the habitational niche most carriers avoid: small multifamily, large portfolio schedules, mixed occupancies, and multi-state holdings. 

A single managed program, not a patchwork of policies stapled together every renewal

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
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

Any size schedule with any 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 using sound judgement and optimized for the small habitational market
  • General Liability: $1M/$2M, up to $2M/$4M by request
  • BPP: up to $100K
  • IM: up to $750K
  • Property deductibles $2,500 - $25,000
  • 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 purchasing groups available with $5M+ GWP

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Recent Wins

Schedule of Mixed Use

  • 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

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