Your Sanctuary in the City, Our Specialty.

New York living is unique. Whether it’s a pre-war Co-op or a modern glass condo, a standard “off-the-shelf” policy often leaves gaps in loss assessment and high-value structural improvements.

NY-Specific Coverage Deep-Dive:

• Loss Assessment Coverage: Crucial for Co-op and Condo owners. If your building’s association is sued or suffers a loss, this protects you from being personally billed for the building’s deductible.
• Additions & Alterations: Covers the custom renovations, high-end flooring, and built-ins that standard master building policies exclude.
• Backup of Sewers & Drains: An essential rider for NY basements and garden-level units during heavy Atlantic storms.
• The “Scheduled Valuables” Rider: Specialized protection for fine art, jewelry, and high-end tech that exceeds standard policy sub-limits.