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
Bronx
Bronx two- and three-family insurance: HO-3, DP-3, and the LLC question
Owner-occupied or investor? The classification on your Bronx multi-family policy decides whether a fire claim pays your lost rent — or nothing at all.
September 2, 2026
NYC
Multi-generational NYC homes: who's on the policy, who's on title
Three generations, one house, one driveway. Here's how to structure the auto and home policies so a claim doesn't land on the wrong person's name in New York.
August 29, 2026
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