NYC Brownstone, Row House and Condominium Insurance

Zurich’s New York City Brownstone, Row House and Condominium Insurance program offers coverage to qualified properties that are located in the New York City boroughs of Manhattan, Brooklyn and Queens.

brownstone buildings

Business owners: Contact your insurance agent or broker

Insurance agents

Call a specialist now 847-762-7173

Appetite

  • Brownstones, condos, co-ops, row housing and apartment buildings
  • 1-30 units
  • Residential properties, including mixed-use properties with at least 50% residential
  • Joisted masonry or better

Geography

  • New York City boroughs of Manhattan, Brooklyn and Queens

Ineligible risks

  • Homeless shelters
  • Emergency shelters
  • Mental health facilities
  • Single-room occupancy
  • Artist lofts
  • Fraternity, sorority, student and senior housing
  • Short-term rentals

Coverages offered

  • Commercial Package
  • Commercial Property
  • Commercial General Liability
  • Equipment Breakdown
  • Ordinance or Law
  • Earthquake
  • Flood
  • Backup of Sewer and Drains
  • Business Income (including rental value with extra expense)
  • Replacement Cost
  • Employee Theft
  • Non-Owned and Hired Auto
  • Personal lines for 2-4 owner-occupied: Personal Liability, Personal Property (including fine art, musical instruments, antiques, jewelry)
  • NYBB Application
  • Underwriter review
  • Deductible options from $1,000 to $10,000
  • Total Insurable Value (TIV) up to $1 million
  • General Liability
    • $1 million per occurrence
    • $2 million aggregate on bodily injury, property damage, personal or advertising injury
    • Medical payments: $5,000 per person and $25,00 per accident
  • Personal Liability (when applicable): $1 million per occurrence
 
  • Admitted
  • Terrorism included
  • Hired and non-owned Auto Liability optional
  • Personal Inland Marine available for fine arts, furs, jewelry, silver, bicycles, antiques, musical instruments, cameras