Citadel Insights https://citadel-insurance.com/insights/ 2026-10-10T06:00:00-05:00 Citadel Insurance The Umbrella Policy Gap: Why $1M in Liability Coverage Is Not Enough https://citadel-insurance.com/insights/umbrella-policy-gap/ 2026-10-10T06:00:00-05:00 2026-10-10T06:00:00-05:00 A $1 million umbrella is a common default. For a household with significant assets and exposures, it is worth asking whether a default is the right answer. Flood Insurance for Waterfront Estates: Beyond the NFIP https://citadel-insurance.com/insights/flood-insurance-waterfront-estates/ 2026-10-07T06:00:00-05:00 2026-10-07T06:00:00-05:00 Federal flood insurance was designed for typical homes. For a waterfront estate, it is a starting point at most, and the details of what sits above it matter. Insuring a $2M+ Florida Home: What Your Standard Policy Doesn't Cover https://citadel-insurance.com/insights/insuring-a-2m-florida-home/ 2026-10-05T06:00:00-05:00 2026-10-05T06:00:00-05:00 A standard homeowners policy can look complete on the declarations page and still leave a significant home underprotected. Here is where the gaps tend to be.