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by EngageBay Why City Building Owners Insurance Is the Go-To for Mixed-Use Properties in New York
For over 48 years, City Building Owners Insurance has helped New York property owners navigate the complexities of insuring buildings that combine residential and commercial spaces. Whether your building includes ground-floor retail, offices, or restaurants with apartments above, we deliver tailored coverage that protects every part of your investment.
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
What Our Mixed-Use Insurance Policies Provide:
Full replacement costs
Covers the full cost to repair or rebuild both residential and commercial portions—without depreciation
General liability protection
Includes coverage for third-party injuries across both residential and commercial areas, including storefronts and common areas
Loss of rents & business income
Replaces lost income if a covered event forces your tenants (residential or commercial) to vacate or close operations temporarily
Ordinance or law coverage
Pays for code-compliant repairs or upgrades, which are often required when restoring older NYC buildings
Water backup protection
Protects your investment against sewer or drainage backup issues—especially critical for basement retail units or storage areas
Risk management expertise
Reduces exposure by explaining how specific commercial tenants affect coverage and costs
What Our Clients Say
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G.M., Multiple Apartment Building Owner, New York, N.Y. ,|