Home & Condo
Home insurance, sized to NYC reality.
Home insurance from Kelly Qu Agency is an Allstate HO-3, HO-5, or HO-6 policy sized to actually rebuild your home at today's NYC construction costs, with flood, water-backup, and umbrella coverage stacked on top when your address (or your co-op) actually needs them.
How we quote a home policy
- Replacement-cost estimate using actual square footage, build year, and finish quality — NYC construction-cost data, not a national average
- For co-ops and condos: master policy review first, then HO-6 limit calibrated to the gap
- Personal-property inventory — high-value items (jewelry, art, collectibles) often need scheduled coverage above the base limit
- Liability — pool, balcony, dog breed, home business; right-size limit and umbrella accordingly
- Endorsements — water backup, ordinance & law, identity theft, equipment breakdown
- Flood — separate quote if your address is in or near a Special Flood Hazard Area
Local risks we price specifically for
- Manhattan co-ops and condos: master policy gaps, loss assessment limits, walls-in coverage
- Brooklyn brownstones: landmarked exterior, ordinance & law, pre-war wiring and plumbing
- Queens multi-family: two- and three-family DP-3 or HO-3, owner-occupied classification
- Bronx single-family: Riverdale, Throggs Neck, City Island flood-zone realities
- Staten Island South Shore: FEMA zones post-Sandy, NFIP vs private flood
- Hoboken / Jersey City condos: NJ-specific HO-6 master-policy quirks
Frequently asked questions
Is flood damage covered by homeowners insurance? +
No. Standard home insurance excludes flood. If your home is in a FEMA flood zone — common on Staten Island's South Shore, parts of Brooklyn, the Rockaways, and along the Jersey shoreline — you need a separate flood policy through the NFIP or a private flood insurer. We write both.
How much dwelling coverage do I need? +
Enough to fully rebuild your home from scratch at current NYC-area construction costs — not what you paid for it and not its market value. We run a guided replacement-cost estimate for every homeowner, free, before quoting. NYC construction costs have moved 15–25% since 2022; most policies are out of date.
What's the difference between HO-3 and HO-5? +
HO-3 is the standard form: open-perils coverage on the structure, named-perils on personal property. HO-5 extends open-perils to personal property too. Many outer-borough and NJ homes qualify for HO-5 and it's usually only 5–10% more — almost always worth it.
What about co-ops and condos? +
Co-ops and condos use the HO-6 form (walls-in). The right HO-6 limit depends on what your building's master policy covers. We read the master policy alongside your HO-6 so the two don't leave a gap. See our HO-6 details on the contact page.
Will my premium go up if I file a claim? +
Usually yes, with two big exceptions: weather claims (wind, hail) typically have less of a surcharge than liability or theft claims, and small claims under your deductible shouldn't be filed at all.
Want a real local agent on the phone?
We answer the phone, in English, Mandarin, and Spanish.