Real Estate Umbrella Program

Offered by Distinguished Programs

Apartments Warehouse Real Estate Homeowners Associations Light Industrial Strip Malls Condominiums Office Buildings Mixed Use Retail Property


The program offers high liability limits at extremely competitive prices for a broad range of real estate risks. We also have lower-limit companion umbrellas for some of our property and liability programs that are priced in accordance with those smaller risks.

Here are some additional key advantages of the Real Estate Umbrella Insurance for both residential and commercial buildings:


  • Limits from $1 million to $150 million
  • No shared limits
  • Admitted, A.M. Best A rated carriers
  • Superior level of claim service and support
  • No Assault and Battery exclusion
  • Crisis Response coverage
  • Broad Named Insured endorsement
  • No Abuse and Molestation exclusion for some risks

  • Associations (habitational, commercial or mix used) defined as:
  • Condominiums
  • Cooperatives
  • Homeowner Associations
  • Planned Unit Developments
  • Apartments/rentals
  • Senior/independent housing
  • Office buildings
  • Light industrial complexes and warehouses
  • Stand-alone retail properties
  • Strip malls

About Distinguished Programs

Distinguished Programs is a leading national insurance Program Manager providing specialized insurance programs to brokers and agents with 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 specialty areas 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.

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$1M Minimum Premium

Carrier Information


Rating A

Rating By AM Best

Listing Contacts

Tara Hughes Marketing Specialist

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Offered By

Distinguished Programs

10 listings in 50 states + DC

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Availability 50 states + DC

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming


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