Common Queens building types
- Garden apartments and garden co-ops, often several buildings on one property with shared grounds, which means more outdoor liability exposure: walkways, courtyards and parking.
- Six-story elevator buildings, both rental and co-op. See co-op insurance.
- Attached multifamily houses and walk-ups. See landlord insurance.
- Mixed-use buildings on commercial corridors. See mixed-use insurance.
- Condominiums, including newer buildings. See condo association insurance.
What Queens owners should know
Multiple buildings, one policy. If your property includes several buildings, insurers want a schedule with the value of each building. Getting those values right protects you if one building is badly damaged.
Sidewalks and grounds. NYC owners are generally responsible for maintaining the sidewalk in front of their property, and slip-and-fall claims are a common liability claim for buildings. Good snow and ice procedures and a well-documented maintenance routine help with underwriting.
Flood zones. The Rockaways, Howard Beach, Broad Channel and other waterfront areas include FEMA flood zones. Standard property policies generally exclude flood. Check any address on NYC's Flood Hazard Mapper.
Frequently asked questions
Can one policy cover a garden apartment complex with several buildings?
Yes. A single property policy can schedule each building with its own value, under one liability policy for the whole property. That is the usual setup for garden apartments and garden co-ops.
Do you insure co-ops in Queens?
Yes. We insure Queens co-ops of all sizes, including D&O for the board and crime coverage for building funds.
How fast can I get a number?
For buildings with 4 to 1000 apartments, the instant estimate gives a range in about a minute. For a firm quote, Jacob will need a few details. See our quote checklist.