Brooklyn brownstone insurance

Insuring a Brooklyn brownstone is its own discipline. Construction costs in neighborhoods like Park Slope, Bed-Stuy, Crown Heights, and Cobble Hill have outpaced most homeowner policies written more than a few years ago — so the dwelling limit on file is often well below what it would actually cost to rebuild today.

If you rent out a unit or the parlor floor, you're a landlord in the eyes of underwriters and need a landlord (DP-3) or building policy, not a standard HO-3. We see plenty of owner-occupants accidentally under-covered because their policy was written when the building was fully owner-occupied and never updated.

An Asured broker reviews your dwelling limit, ordinance-or-law coverage (essential for older brownstones that may need to be brought up to NYC code after a partial loss), liability, and any rental exposure — then shops the market for the right combination.