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City Homes Insurance Program (CHIP)

door fronts

Zurich’s City Homes Insurance Program (CHIP) offers a package product with enhanced features designed for small urban multi-family buildings in designated cities across the country.


  • Size: 2-100 units and can include ground floor mercantile
  • Construction: joisted masonry or better, no age limit on building, subject to system upgrades
  • Brick veneer in Denver, CO; Minneapolis and St. Paul, MN
  • Frame in San Francisco, CA; Portland, OR; Seattle, WA; and Boston, MA (condos only)
  • Classes: apartment buildings, condos, co-ops, brownstones, mixed use

Ineligible risks:

  • Buildings with one unit or over 100 units with more than 50% sq. ft. of mercantile exposure
  • Total insurable value (TIV) of over $25 million
  • Frame constructions if not located on West Coast


We are currently writing in select metro areas in the following states:

  • CA, CO, DC, IL, MA, MD, MN, MO, NJ, OR, PA, WA

Submission requirements:

  • Online application
  • Underwriter review
  • Loss runs for prior three years

Coverages offered:

  • "All-risk" policy form unless the loss or damage is excluded or limited by other provisions
  • Replacement cost
  • Back-up of sewers and drains included
  • Terrorism foreign/domestic (included automatically)
  • Minimum All Other Perils (AOP) deductible of $1,000 with $2,500 water damage deductible; AOP deductible options up to $10,000
  • Agreed amount endorsement
  • Ordinance or law
    • Includes loss to undamaged portion of building
    • Additional limits for demolition cost
    • Additional limits for increased cost of construction
  • Optional and flexible Flood and Earthquake coverage – sublimit applied and extended after underwriter review
  • Equipment breakdown/building machinery, heating/cooling systems, miscellaneous electrical apparatus
  • Crime endorsement available
  • Optional Employee Benefits coverage
  • Optional Non-owned and Hired Auto coverage

Coverage limits:

  • Minimum All Other Perils (AOP) deductible of $1,000 with $2,500 water damage deductible; AOP deductible options up to $10,000
  • TIV up to $25 million
  • General Liability - $1 million per occurrence/$2 million aggregate on bodily injury, property damage, personal and advertising injury
  • Personal Lines - $1 million per occurrence

Admitted or non-admitted paper:

  • Admitted

Additional program highlights:

  • Competitively priced package policy that includes coverage for equipment breakdown, back-up of sewer and drains, ordinance or law, A, B & C
  • Electronic policy delivery
  • Availability of Personal Lines forms for owner-occupied properties for contents coverage and additional liability coverage
  • Automatic renewal process