About the building
- Address and owner entity: the exact LLC or corporation name on the deed (the "named insured").
- Units and square footage: number of apartments and commercial units, and total building area.
- Construction and height: brick with wood joists, fire-resistive, frame; number of stories; basement.
- Year built and updates: the year the roof, electrical, plumbing and heating were last updated.
- Protection: sprinklers, smoke and CO detectors, fire alarm, security.
- Commercial tenants: who they are and what they do.
Much of this is public. ZoLa shows lot and building data, HPD Online shows registrations and violations, and ACRIS has deeds and mortgages. Our instant estimate pulls the basics from city records automatically.
About your insurance today
- Current declarations pages for property, liability, umbrella and any D&O, crime or equipment breakdown.
- Renewal date and current premium.
- Loss runs: claims history from your insurers, typically the last five years. Your current broker or insurer can provide them.
About the money
- Rent roll or annual rental income, for loss of rents coverage.
- Lender insurance requirements, if there is a mortgage. See what lenders require.
- Payroll, if the building employs staff directly (for workers' compensation).
For co-ops, condos and HDFCs
- The insurance section of the proprietary lease or bylaws.
- Any regulatory agreement requirements (HDFC).
- Board size and any open disputes or claims (for D&O).
Don't have everything? Send what you have. We will tell you what matters most for your building and help find the rest.
Frequently asked questions
What are loss runs and how do I get them?
Loss runs are an insurer's record of claims on your policy. Ask your current broker or insurer. Most underwriters want the last five years.
Why do you need the exact owner name?
The named insured must match the entity that owns the building, usually an LLC or corporation. A mismatch can cause problems at claim time and with your lender.
How long does a quote take?
The instant estimate takes about a minute for NYC apartment buildings with 4 to 1000 units. A full quote depends on the building and the insurers, and a complete submission makes it faster.
Sources
- HPD Online (violations, registrations)
- NYC ZoLa: Zoning and Land Use map
- NYC ACRIS: property records
- NYC Planning: Flood Hazard Mapper
- Fannie Mae Multifamily Guide, Part II, Chapter 5: Property and Liability Insurance
General information, not legal advice. Rules and guides change; your policy, bylaws and loan documents control. Checked October 16, 2026.