Your buildings deserve a closer look.
Landlord insurance in NYC is about more than an address. We look at your building, its occupants, and the responsibilities that come with ownership—then help you understand your options.
What belongs in a building insurance conversation?
We’ve served clients since 1989. As an independent brokerage, we review coverage through the lens of your property—not a one-size-fits-all checklist.
Property coverage
The physical building, fixtures, and property you own need limits based on rebuilding, not simply the purchase price. We discuss construction, roof age, and system updates, along with deductibles, valuation terms, and the perils a policy excludes.
Premises liability
Tenant and visitor injuries can lead to allegations against a building owner. Liability coverage addresses covered claims, subject to its terms. We review common areas, sidewalks, maintenance arrangements, and the ownership entities that need to be named.
Loss of rents
A covered property loss may interrupt rental income while repairs take place. We discuss your rent roll, the restoration period, and policy limits. This is not a substitute for protection against ordinary nonpayment or every interruption in occupancy.
Ordinance or law
Older buildings may need code upgrades after damage. Ordinance or law coverage can address certain demolition costs, undamaged portions, and increased construction costs. The available protections and limits deserve their own review rather than an assumption that they are included.
Umbrella liability
An umbrella or excess policy can provide another layer above specified underlying liability coverage. We review the underlying requirements, policy exclusions, and how limits fit together. It does not automatically fill every gap in the primary policy.
Lender requirements
Financing documents may call for particular limits, valuation terms, deductibles, or mortgagee wording. Share those requirements early. We can compare the insurance requested with the policy terms and help coordinate evidence of coverage for your lender.
Coverage for the property you own.
Apartment buildings
For larger residential buildings, we consider unit count, construction, maintenance, rental income, and shared spaces. Your building’s replacement cost may differ from its market value. A current rent roll and details about updates help us put the application in context.
Discuss your buildingMixed-use buildings
A storefront downstairs and apartments above bring different exposures together. Restaurants, retail tenants, and offices can affect carrier eligibility. We ask about each tenant’s operations, cooking, leases, and insurance rather than treating the building as entirely residential.
Discuss your buildingMulti-family 2–4 unit
A two-, three-, or four-unit property needs a review of who lives there and how it is used. Tell us if you occupy a unit, rent short term, or are changing tenants. We help distinguish a rental dwelling policy from coverage intended for a personal residence.
Discuss your buildingCo-op & condo buildings
We discuss coverage for the building association or corporation, common property, and shared liability. Governing documents help clarify the line between the master policy and individual unit-owner responsibilities. Boards should also consider management and fiduciary exposures separately.
Discuss your buildingVacant buildings
An empty building or a property under renovation can fall outside ordinary policy terms. Tell us before occupancy changes. We review vacancy conditions, security, planned work, and the expected timeline so the coverage conversation reflects the building’s current use.
Discuss your buildingBring the details. We’ll bring the questions.
When you buy, refinance, or renew, a little preparation makes the insurance review more useful. Bring your current policy, building address, number of units, annual rents, and loss history. Information about electrical, plumbing, heating, and roof updates helps carriers understand the property.
If you own near the coast, ask about flood, wind, and water-related exclusions. These are distinct issues, and flood generally requires separate coverage. If renovations or a change of use are planned, let us know before work begins. A policy written for one occupancy may not fit the next.
We work with owners in Queens & Rockaway, all NYC boroughs, Long Island, Westchester, New Jersey, and Connecticut. If your building also houses your own company, we can review business insurance alongside the landlord policy without confusing the two responsibilities.
Coverage is subject to the terms, conditions, and exclusions of the actual policy. We help you read those details and identify questions before you make a decision.
Start your building reviewYour questions, answered.
Insurance shouldn’t leave you guessing. Here are a few things you may want to know.
Is landlord insurance different from homeowners insurance?
Yes. Renting a property changes its use and its risks. A landlord policy can address the building, premises liability, and rental income after a covered loss. Tell us whether you live in the building, how many units you rent, and who occupies them so we can review the appropriate policy.
Does landlord insurance include flood coverage?
Flood is generally excluded from standard property policies. Coastal buildings may need separate flood coverage, along with a review of wind deductibles and water-related exclusions. We help you distinguish these risks rather than assume one policy covers every source of water damage.
What information do you need to review my building?
Start with the address, number of units, construction details, building age, recent updates, annual rental income, and current policy. If you have lender requirements, loss information, or plans for renovation, bring those too. We explain what additional information a carrier needs.
Upload your current policy. We'll take it from there.
Drop in your declarations page or current policy — PDF, photo, or screenshot. Adam or Peter will review it, shop the market, and get back to you. No long forms.
- Upload your dec page
- We review and shop it
- Adam or Peter calls you with options
Talk to Adam or Peter.
Tell us what you're building or buying. One of us will walk through what you need.