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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.

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How we quote a home policy

  1. Replacement-cost estimate using actual square footage, build year, and finish quality — NYC construction-cost data, not a national average
  2. For co-ops and condos: master policy review first, then HO-6 limit calibrated to the gap
  3. Personal-property inventory — high-value items (jewelry, art, collectibles) often need scheduled coverage above the base limit
  4. Liability — pool, balcony, dog breed, home business; right-size limit and umbrella accordingly
  5. Endorsements — water backup, ordinance & law, identity theft, equipment breakdown
  6. Flood — separate quote if your address is in or near a Special Flood Hazard Area

Local risks we price specifically for

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 NYC construction costs have moved 15–25% since 2022; most policies are out of date.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.

Home & condo coverage, from the Notebook.

Home

Co-op vs condo insurance in NYC: what HO-6 actually covers

Most NYC co-op and condo owners under-buy or over-buy HO-6. The fix starts with reading your building's master policy. Here's how to do it correctly.

May 30, 2026
Staten Island

Flood insurance on Staten Island's South Shore in 2026

FEMA zones, NFIP vs private flood, and the real cost math for Tottenville, Annadale, and Great Kills — plus what your homeowners policy quietly excludes.

June 20, 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

Want a real local agent on the phone?

We answer the phone, in English, Mandarin, and Spanish.

Request a quote Call (718) 865-8458