Dwelling, contents, liability and the endorsements most agents quietly skip. Single-family, multi-family and rental dwellings across the five boroughs.
We compare these line by line across the panel — not just the bottom-line premium.
Replacement cost on the structure. We size to local rebuild costs in NYC, not just the purchase price.
Contents — usually 50–70% of dwelling. Schedule jewelry, art and electronics separately when needed.
$300K minimum, $500K – $1M recommended. Pairs with an umbrella for higher coverage.
Sewer and sump-pump backup — NOT included on standard policies. Critical in older NYC buildings.
Brings your rebuild up to current code if you're partially destroyed. Cheap, often skipped.
Hotel, food and storage costs while your home is being repaired. Usually 20% of dwelling.
A short list of the situations we write most. If you're not on the list, ask anyway — we shop the panel either way.
Specific to this line. Personal & commercial panels overlap but aren't identical.
If yours isn't here, call. Estefani picks up.
No. It should be replacement cost — what it would cost to rebuild today. NYC labor and materials run high; we re-quote with proper rebuild numbers, not your sale price.
No. Flood is a separate NFIP or private policy. We write both. Anyone in a FEMA flood zone or near the Bronx/Hudson Rivers should at least see the quote.
Standard policies often exclude or limit basement contents. Water backup endorsement covers sewer/sump backup; flood is separate. We make sure you know which is which.
Legally yes — but we'd strongly advise against it. The cost of a single fire, lawsuit or theft far exceeds decades of premium. We can lower coverage, not eliminate it.
Independent. Bilingual. Bronx-based. We shop ten carriers so you don't have to. Hablamos español.
10 Carriers · 7 Lines · Bilingual
