Where we write.
Every part of New York we cover has its own housing stock, garaging rules, and underwriting quirks. From a Manhattan HO-6 to a Hamptons HO-5 to a Hudson Valley wooded HO-3 — same agency, same agents, different policy math under each one.
The five boroughs
Manhattan
Co-ops, HO-6 condos, renters — office HQ in Midtown
Brooklyn
Brownstones, two-families, street-parked auto
Queens
Multilingual households, multi-family DP-3
Bronx
Single + multi-family, multilingual
Staten Island
Flood zones, suburban-style HO-3
Long Island, Westchester & the Hudson Valley
Long Island
Nassau + Suffolk, South Shore flood, Hamptons high-value
Westchester & Hudson Valley
Wooded HO-3/HO-5, septic & well, Metro-North commuters
Cross-state coverage
We're also licensed in New Jersey and frequently write for clients who keep a foot in both states.
New Jersey
Jersey City, Hoboken, Newark — for clients who cross both states
Want a real local agent on the phone?
We answer the phone, in English, Mandarin, and Spanish.