Personal lines
Personal property
Home, condo, co-op, and related personal-property coverage where available.
Personal property coverage depends on the residence, occupancy, construction, values, protection, prior insurance, and household information required by the carrier.
A fit to explore for
- Homeowners
- Condo owners
- Co-op shareholders
- Eligible secondary residences
- Clients coordinating personal and commercial programs
Common considerations
- Dwelling or additions and alterations
- Personal property
- Loss of use
- Personal liability
- Water, wind, valuables, and other endorsements
Questions
A clearer place to begin.
Start with the practical details that shape the application and review.
Is market value the same as replacement cost?
No. Insurance valuation and real-estate market value measure different things. The carrier's valuation method and policy terms control.
Does a condo or co-op policy replace the building master policy?
No. The unit policy and association master policy address different interests. Review governing documents and both policies with appropriate professionals.
Start a conversation
Send us the risk.
Share the building, occupancy, timing, and current coverage. We’ll review it and come back with the next useful step.