Staten Island
Staten Island — flood zones, garages, and the South Shore.
Staten Island is the only borough where most policies look like suburban policies — and where flood coverage is genuinely non-optional in parts of the South Shore.
Staten Island coverage we focus on
- Homeowners HO-3 with proper replacement cost. Construction-cost inflation since 2022 means most SI homes are underinsured by 15–25%.
- Flood policies on the South Shore. FEMA zone-by-zone advice — NFIP, private flood, or both — with honest cost comparisons.
- Auto policies for actual garaged vehicles. Cheaper than Manhattan or Brooklyn because the garaging is real.
- Tri-state commuter coverage. If you cross to NJ via the Goethals or Outerbridge for work, your auto policy needs to reflect that.
- Umbrella for homeowners with pools or boats. Two of the most under-coverage-aware liability exposures.
Staten Island reading, from the Notebook.
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
Buyer guide
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.
July 15, 2026
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