Brownstone Insurance New York

Since 1961, we have specialized in insuring the Brick and Brownstone homes typical of South Brooklyn.   Our main office is located in the heart of Carroll Gardens in a Brownstone building appropriately nestled in the center of Brownstone Brooklyn!

We provide our clients with quotes from all of the Programs and companies that specialize in these Historic Homes.

The coverage options are vast and the Premiums are the most competitive in the market place.  No other Broker in Brooklyn has the experience we have in this market.

From the $8,000,000, fully restored Brownstone on Columbia Terrace to that special home that needs a little TLC, we have the company with the right fit.

Brownstone Property Highlights

Policy features and options may include:

  • “All Risk” policy form (Named Perils available)
  • Coinsurance can be waived
  • Green Rebuild Endorsement
  • Agreed Amount Endorsement
  • Optional Valuation Clauses
  • Business Income Including Rental Income Actual Loss sustained (and Extra Expense)
  • Building Machinery, Heating/Cooling Systems, Miscellaneous Electrical Apparatus
  • Debris Removal
  • Interest in Improvements and Betterments to buildings or structures
  • Personal Property (owner occupied)
  • Water Damage
  • Back-up of sewers and drains
  • Flood coverage available in most areas
  • Earthquake coverage available in most areas
  • Building Ordinance or Law including: Loss to Undamaged Portion of building, Demolition Cost, and Increased Cost of Construction
  • Property Off Premises
  • Spoilage
  • Valuable Papers and Records
  • Computer Equipment
  • Computer Data, Media and Programs
  • $1,000,000 per occurrence/$2,000,000 aggregate on Bodily Injury, Property Damage, Personal and Advertising Injury
  • Hired and Non-Owned Auto Liability $1,000,000
  • Fire Damage Legal Liability
  • Medical Payments
  • Employee Benefits Liability $1,000,000 per occurrence/$2,000,000 aggregate
  • Umbrella limits up to $100,000,000
  • Many more coverages available!