Brooklyn
Brooklyn brownstones, two-families, and street-parked cars.
Brooklyn's housing stock is unusually diverse for a single ZIP, and so are the insurance gotchas. We write the version of the policy your specific building and block actually need.
Brooklyn coverage we write a lot of
- Brownstone HO-3. Replacement-cost calculation for landmarked exteriors and pre-war interiors is a math problem most agencies don't do correctly.
- Two- and three-family DP-3 or HO-3. Owner-occupied vs investor-owned changes what you can carry and at what cost.
- Auto with street parking. Carriers vary widely on how they treat no-garage NYC drivers. We know which ones price it fairly.
- Co-op HO-6 in Park Slope, Brooklyn Heights, and Fort Greene. Walls-in vs all-in coverage clarified up front.
- Renters across Bushwick, Crown Heights, Flatbush. Liability + replacement-cost personal property for under $30/month is the norm.
Brooklyn reading, from the Notebook.
Brooklyn
Brownstone insurance in Brooklyn: getting replacement cost right
Why your Brooklyn brownstone's market value has almost nothing to do with what it costs to insure it — and where the standard policy quietly leaves you short.
June 12, 2026
Home
Sewer backup in NYC: what HO-3 and HO-6 exclude (and the $30 fix)
Standard NYC home and condo policies exclude sewer backup and drain overflow. Here's what that gap costs in older plumbing — and the cheap endorsement that closes it.
July 18, 2026
Buyer guide
First-time NYC home buyer insurance: checklist from binder to closing
The insurance part of a NYC home purchase confuses most first-timers. Here's exactly what to buy, when to buy it, and what your lender actually requires.
July 15, 2026
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