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by EngageBay Why Choose City Building Owners Insurance?
With over 49 years of experience, we understand the challenges of insuring rental properties across New York City. From brownstones and walk-ups to mixed-use buildings and small apartment complexes, NYC properties present risks and regulatory demands that most national carriers are not equipped to handle well. Many impose underwriting criteria that leave landlords with coverage gaps, surprise exclusions, or outright declinations. The programs we offer are designed for the realities of New York property ownership, providing tailored coverage for qualifying buildings that may have been declined, surcharged, or underserved elsewhere. Our goal is straightforward: help you get the right coverage at a competitive price.
50% of our New York-area clients save money without changing their coverage level
50% of our New York-area clients receive better coverage for comparable premiums
In New York, 92% of our clients return each year
Who Qualifies for This Insurance Program
This program is designed for landlords and building owners in Manhattan, Brooklyn, and Queens with residential properties of up to 30 units, including brownstones, small apartment buildings, and mixed-use buildings with at least 50% residential occupancy. Eligible buildings must be constructed of joisted masonry or better and fall within a total insured value of up to $10 million. Owner-occupied and tenant-occupied properties are both eligible. Not all buildings will qualify; eligibility is subject to underwriting review.
What Our Mixed-Use Insurance Policies Provide:
Full replacement costs
Repair or rebuild your property after a covered loss without depreciation applied
Liability protection
Covers legal and medical costs if someone is injured on your property
Loss of rents
Replaces lost rental income for up to 12 months after a covered loss
Ordinance or law
Pays for required code upgrades during repairs or rebuilding
Water backup protection
Covers sewer and drain backup damage, a frequent risk in NYC buildings
Equipment breakdown
Covers failure of boilers, HVAC, electrical systems, and other building equipment
Business income / Rental value
Reimburses lost income and extra expenses while your building is being restored
Employee theft
Covers losses from dishonest acts by employees or building staff
Agreed amount coverage
Locks in your building’s insured value upfront, eliminating coinsurance penalties
Personal inland marine
Scheduled coverage for high-value personal property kept on the premises
Get a Quote for Your NYC Property
As an independent broker in the New York-area, we recommend the insurance company and policy that best meets your needs, at the best price.
NYC Landlord Insurance Through a Purpose-Built Program
City Building Owners Insurance provides access to the New York Brick & Brownstone Insurance Program, a specialized program designed for owner- and tenant-occupied residential and mixed-use properties in Manhattan, Brooklyn, and Queens.
Distinguished Real Estate, this program delivers coverage depth that standard landlord policies rarely match for NYC’s diverse building stock. It was built around the realities of New York property ownership, including older construction, complex occupancy types, and the liability exposures common to urban buildings. City Building Owners Insurance helps you assess eligibility and structure coverage that fits your property.
What Our Clients Say
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G.M., Multiple Apartment Building Owner, New York, N.Y. ,|