Brooklyn brownstone, townhouse, and apartment owners often incur unnecessary insurance costs due to traditional insurance carriers using a one-size-fits-all approach. Many policies enforce high building replacement values, leading to exorbitant premiums for personal property coverage that may exceed actual needs. Brownstone Agency offers flexible solutions that allow you to negotiate coverage levels according to actual requirements, removing irrelevant coverages, and locking in rates for three years. This method ensures owners pay only for the necessary insurance, protecting them from unexpected costs in a fluctuating market.
Traditional insurance carriers often use a rigid formula: They set extremely high building replacement values and then automatically calculate other coverages as fixed percentages.
Instead of forcing you into predetermined coverage amounts, their policy allows you to work directly with underwriters to establish an agreed-upon building value.
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