NYC's Condo Insurance Experts

Condo Insurance in NYC

Your lender won't clear your closing without the right HO-6 — and your condo board has its own rulebook. We close the gaps between master policy, bylaws and lender requirements with A+ rated carriers like Travelers, Progressive and Chubb, so you close on time and never pay for coverage you don't need.

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HO-6 Coverage

Lender & Board Compliant

A+

Rated Carriers

Closings Made Easy

Lender-Compliant HO-6 Policies for NYC Closings

Buying a condo in New York moves fast — and your lender will require proof of an HO-6 policy before closing. We review your building's bylaws and master policy (whether it's a "bare walls" or "all-in" approach) to close coverage gaps for walls, floors, built-ins, betterments and improvements.

NYC condo boards can levy assessments after building-wide damage, large master-policy deductibles, or liability suits — loss assessment coverage helps protect you from surprise bills.

Lender-compliant HO-6 policies delivered in time for closing.
Bylaws & master policy gap review — bare-walls vs. all-in analysis.
Luxury renovation coverage for high-end kitchens, baths and finishes.
A+ rated carriers including Travelers, Progressive and Chubb.

What's Covered

What Your Condo Policy Can Cover

From your personal possessions to your share of a building-wide assessment, an HO-6 policy protects what the master policy leaves out.

Personal Possessions

Your furniture, electronics including computers and cellphones, wardrobe, household goods and most personal possessions are covered against insured perils.

Walls, Floors & Betterments

Coverage for walls, floors, built-ins, betterments and improvements — it's important to purchase enough insurance to rebuild your condo after a covered total loss.

Condo Liability

Provides coverage for lawsuits filed against you or resident family members for property damage or bodily injury — limits from $300,000 to $1,000,000+.

Loss Assessment

NYC condo boards can levy assessments after building-wide damage, large master-policy deductibles, or liability suits — this coverage helps pay your share.

Additional Living Expenses

If a covered loss makes your condo unlivable during repairs, this pays for temporary housing and related extra expenses.

Valuables & Extras

Options for scheduled jewelry and valuables, dog liability, water backup and more — tailored to how you live.

Questions

Frequently Asked Questions

Is condo insurance required in NYC?

Mortgage lenders almost always require an HO-6 condo policy before closing, and many NYC condo boards require proof of coverage with specific liability limits under their bylaws.

What is walls-in coverage?

Walls-in coverage protects the interior elements of your unit — walls, floors, ceilings, built-ins, betterments and improvements — that the building's master policy may not cover, depending on whether it is written as "bare walls" or "all-in."

What is loss assessment coverage?

When building-wide damage, a large master-policy deductible, or a liability suit leads the board to bill each owner a share, loss assessment coverage helps pay your portion of that assessment.

How much does condo insurance cost in NYC?

Many NYC condo owners pay roughly $300–$600+ annually, depending on the value of contents and improvements, liability limits, deductibles and building requirements.

Does condo insurance cover renovations?

Yes — betterments and improvements coverage can protect luxury renovations such as upgraded kitchens, bathrooms and custom finishes. Tell us about your renovation so limits are set correctly.

Can you meet strict building requirements and provide documentation?

Yes. We review your building's requirements, match liability limits and endorsements, and provide the insurance documentation your board or managing agent requests — often same day.

Free Quote

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