https://citadel-insurance.com/insights/ Private client insurance writing for homeowners, collectors, and families. en-us https://citadel-insurance.com/insights/umbrella-policy-gap/ https://citadel-insurance.com/insights/umbrella-policy-gap/ Sat, 10 Oct 2026 06:00:00 -0500 Liability & Umbrella 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. https://citadel-insurance.com/insights/flood-insurance-waterfront-estates/ https://citadel-insurance.com/insights/flood-insurance-waterfront-estates/ Wed, 07 Oct 2026 06:00:00 -0500 Flood & Windstorm 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. https://citadel-insurance.com/insights/insuring-a-2m-florida-home/ https://citadel-insurance.com/insights/insuring-a-2m-florida-home/ Mon, 05 Oct 2026 06:00:00 -0500 High-Value Homes 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.