Manhattan co-op insurance

Co-op insurance in Manhattan is the HO-6 policy that picks up where your building's master policy ends. The trick is matching your coverage to your building's bylaws and proprietary lease — some buildings require shareholders to insure original installations, others only betterments and improvements, and the dollar amount can vary widely.

Add in NYC-specific liability exposure, loss assessment coverage (in case the building hits you with a special assessment after a covered loss), and water-damage sub-limits — which co-op boards increasingly require at $50K+ — and the right HO-6 is more nuanced than a generic renters policy.

An Asured broker reads your building's insurance requirements directly, builds the policy to match, and shops it across multiple carriers so you're not overpaying for a one-size-fits-all product.