Frequently asked questions

We focus on New York real estate in New York City, Long Island and Westchester, for owners of every size, from a single building to a large portfolio: multifamily and apartment buildings, mixed-use buildings with stores below, brownstones and brick buildings, HDFC and co-op buildings, condo associations, and commercial buildings such as office buildings, industrial and warehouse buildings, and shopping centers and retail strip centers. We also insure vacant buildings and buildings under renovation.

Fill out the estimate form with the building details. We review every request and email you an estimate after review. The site does not show automatic prices, because a real number depends on the building.

No, but your renewal date is a good target. If you send us your details a couple of months before renewal, there's time to shop properly and compare.

Your current declarations page, five years of loss runs, the number of units and stories, year built, construction type, any commercial tenants and updates to the roof, plumbing, electrical and heating.

Loss runs are a report from your insurance company listing the claims on your policy, usually for the last five years. You can ask your current insurance company or agent for them. Insurers use them to price your building.

It means we have access to insurance markets and programs for real estate that not every agency can offer. More markets means more options to compare for your building.

No. A renters policy covers the tenant's own belongings and personal liability. The building, your rental income and your liability as the owner are covered by your own landlord or building policy.

Often, yes. Many standard policies limit coverage once a building is vacant for a period of time, so we look for a policy written for vacant buildings. Tell us how long it has been empty and what you plan to do with it.

No. The form is a request for an estimate. There's no obligation and nothing changes on your current policy.

We insure buildings across New York City's five boroughs (Manhattan, Brooklyn, the Bronx, Queens and Staten Island), Long Island (Nassau and Suffolk counties) and Westchester County. If your building is somewhere else in New York, email us and we'll tell you whether we can help.

Replacement cost pays to repair or rebuild with new materials of like kind and quality, without a deduction for depreciation. Actual cash value subtracts depreciation, so it usually pays less. Your policy says which applies.

Your lender has a financial interest in the building. Most lenders require certain coverages and limits, and want to be listed on the policy as mortgagee. We can build the policy around those requirements.