For NYC apartment insurance and all your insurance needs, Gotham Brokerage is your best bet.
Insurance is one of those things you don't really think about too much — until you need it. And by then, it's too late.
The key is to get ahead of it — figure out what you own, how much it's worth, how much coverage you need, and how not to overpay. Does that sound stressful? It doesn't have to be. The professionals at Gotham Brokerage have been cutting through the complexity to help New Yorkers for more than 50 years.
We're a family-run business with deep roots in New York, so we understand the marketplace as well as what it takes to stay on top of things in this city — and beyond. There's no need to waste your time talking to a bunch of faceless call center employees who don't know the difference between a condo and a co-op. Gotham knows which policies offer the best coverage in the wider New York City area, and we work with multiple insurers in order to deliver them to our customers.
While we focus on providing insurance to customers living in Manhattan, Brooklyn and Queens, we also offer coverage to people in New York state, New Jersey and Connecticut.
We specialize in renters and apartment insurance, so whether you own your own condo or co-op or you're sharing the rent with three other people, Gotham's got you covered. We'll explain the ins and outs of coverage and help you decide exactly how much you need in order to be prepared for everything from dog bites and break-ins to floods and fires. We also handle insurance for anything else you might need to cover, including your boat or vehicle.
Gotham is rated A+ by the Better Business Bureau. We're state licensed and a long-standing member of the Professional Insurance Agents of New York. We work with the best insurance carriers to make sure you get the most comprehensive and competitively priced coverage.
If you've been putting off the insurance decision because you think you can't afford it, stop right now. Insurance is actually one of New York's most affordable necessities. Coffee drinkers are spending more money on their daily caffeine fix than it costs to insure most Manhattan co-ops for an entire year. In fact, if you pick up a tall nonfat latte at Starbucks Monday through Friday every week — the going rate is $3.54 — you could insure four places. And renters insurance is even cheaper. You probably spent more on the newest iPhone than you would to insure your apartment for an entire year.
Here's the deal: Renters insurance starts at $125 a year. A basic policy for your condo or co-op and all its contents costs about $230-$280 annually. And you don't have to sweat the little details, either — that's why we're here. Gotham will help you figure out what type of policy you need. We'll review your condo association's master policy to determine whether it covers anything inside your unit, such as carpets and cabinetry, or if the association maintains only a bare-walls policy that wouldn't cover anything in individual units. By avoiding duplicate coverage, we help hold down your insurance costs.
We'll also help you determine if you need extra coverage for anything, and we'll work with you to figure out what deductible is best for you. Deductibles on apartment insurance are typically offered at increments such as $250, $500, $1,000 and $2,500, and raising your deductible up by just one threshold usually triggers a reduction of about 10% of your premium.
Call us for a free quote
Thanks to 50 years of serving New Yorkers and helping them out when their lives go sideways, we've seen just about every crazy situation you can imagine, and that helps us understand how to craft policies that offer New Yorkers the best protection. We care about our customers and pride ourselves on providing personalized service and customized insurance solutions. Our agents are in this for the long haul, averaging more than 20 years of experience in the insurance industry.
The professionals at Gotham will take the stress out of finding insurance and help you find the best policy at the right price. Just give us a call at 212.406.7300. We'd love to hear from you!