Insurance for Manhattan, written from Manhattan.
Our office is at 252 W 38th St, Midtown — in the Garment District, near Penn Station and Times Square. Most of the policies we write below Harlem are co-op or condo HO-6, renters, and the auto policies that turn 60 garaging questions into one straight answer.
Manhattan-specific things we know about
- Co-op proprietary leases and walls-in coverage. The HO-6 you actually need is a function of what the building's master policy covers. We read both.
- Pre-war condos and "ordinance & law" coverage. NYC building code upgrades after a loss can dwarf the loss itself. Most policies don't include enough.
- Garaging address rules. If you're in Manhattan but the car sleeps in NJ, your policy needs to match — or your claim risks denial.
- Renters in rent-stabilized buildings. Landlords require liability limits that almost no one reads. We make sure you carry the right one without overpaying.
- Umbrella for higher-net-worth households. If you own equity, a co-op, and a car in NY, a $1M umbrella often isn't enough.
Manhattan reading, from the Notebook.
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.
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.
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.
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