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Home Insurance : Provider and/or Broker Recommendation Needed
I'm interested in shopping around for a new homeowner's policy. Would prefer someone familiar with the insurance needs within a four-family, Brooklyn property. Would also prefer someone who answers the stupidest of questions with grace and patience. And, of course, a provider that isn't a pain in the ass should a claim be necessary.
Anyone with good insurance experiences and/or insights? More»9:28 AM 03/29/2013
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Highly recommend Theo. I changed my policy and saved 50 percent!
Theodore Garatziotis
Narrows Insurance Agency, Inc.
(P) (718) 745-1500 (F) (718) 374-5333 See More » -
Need advice on insurance
New York, NY
Does anyone know of a good insurance company with reasonable premium to cover brownstone insurance? We have a small mix-used building, residential + commercial. Our insurance premium is going up so much that it becomes unaffordable. We have never made a claim for the last 25 years.
Any info and/or suggestion appreciated! More»5:28 AM 03/14/2013
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It really depends on a few factors, including the commercial tenant. If you'd like, I am a broker and I will shop the building for you.
Will Smoltino
Narrows Insurance Agency, Inc.
9201 4th Avenue, 7th Floor
Brooklyn, NY 11209
Phone: (718) 745-1500 See More » -
Health Insurance for Household Help
Brooklyn Heights, NY
I would like to provide health insurance for a household employee who provides onsite eldercare for a loved one. She makes too much money to be eligible for low income insurance plans. I was thinking of going through the Freelancers Union. Any other suggestions, or advice about taking this route? Thx, all!! More»
4:38 PM 03/04/2013
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Check out Healthy New York : http://www.dfs.ny.gov/healthyny/index.html - they have subsidized health insurance through a variety of insurance co's for small businesses (including household employers) and individuals/sole proprieters. It is significantly less expensive than Freelancer's Union. I've ...... See More » -
Water and Sewer Service Line Protection Program?
Park Slope, NY
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It's not a scam. Scroll down to yesterday's discussion of it. See More » -
Insurer requires changing window bars?
Our insurer (State Farm) is requiring that we change our basement window bars from permanent to the kind that have safety latches that will allow them to release. Has anyone done this? Any one that you can recommend to do the work? What did it cost? Is it possible to modifiy the bars (as opposed to remove and replace)? Our building is landmarked - any issues to worry about there?
Thanks very much. More»12:14 PM 01/15/2013
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Are you sure that the are actually requiring it? We got a letter from State Farm *recommending* that we make the change on two floors. We ignored it. See More » -
cost of insurance on four family building
we have a 4 family that we occupy presently, but we are considering moving out and renting the property out in full. what kind of insurance must we carrry? how much should it run us a year? we are getting quotes but don't want to get fleeced. thanks in advance for any thoughts! More»
10:19 AM 01/07/2013
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So you currently have no tenants? You need commerical multifamily insurance and an umbrella policy. Also get some quotes with insurance brokers. See More » -
Home Insurance denied due to Burglar Bars
Brooklyn, NY
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I got a letter from State Farm a month ago suggesting I replace my fixed bars with quick-release ones, but they didn't say they'd drop the insurance. See More » -
Builder's Risk Insurance?
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We were able to get a very reasonable policy through Anthony Naccarato at Best Premium Brokerage Inc. 5923 18th Avenue
Brooklyn NY 11204
(718)259-1818 Phone
(718)663-0603 Fax
(718)298-2267 Direct Fax
(718)298-2266 Direct Phone
(917)284-4726 Cell Phone
Bestpremiumb...... See More » -
Good insurance for small multifamily in PS?
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We shopped around a few years ago and ended up going with Brownstone Agency. They in turn sub-contract with another insurance co. This seems to be the route alot of the smaller brownstone multi-familes go, though I've heard of others insuring through State Farm, Allstate and Chubb. Not sure how ...... See More » -
General Liability and Workman's comp
Bay Ridge, NY
My co-op needs general liability and workmans comp and they want themselves to be put as additional insureds. The contractor says it's $3000.00 extra to put them as additional insureds. The work is tiling the floors and walls of two bathrooms. No plumbing work. Is the $3000 quote for insurance alone is reasonable? The estimate for the labor and contractor's materials is $10000.00 so $3000 is only for getting the insurance. Any ideas? More»
6:58 AM 11/28/2012
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The contractor should have its own GL and comp. The charge for an additional insured endorsement is generally about $20, and certainly no more then $100. See More » -
Homeowner's Insurance - need Recommendations
Park Slope, NY
Have been insured by Allstate for the last 26 years or so. Our policy is up for renewal.
Was looking at the forum archives, but a lot were from 2010, so would like more current recommendations regarding home insurance. Especially regarding cost per sf for replacement value.
Thank you for any input you may provide. More»1:33 PM 09/24/2012
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Narrows Insurance (718) 745-1500 Ask for: Will Smoltino
They specialize in brownstone/mortar construction. I switched from Allstate; saved considerably. See More » -
HOMEOWNER'S INSURANCE FOR BROOKLYN BROWNSTONE IN CARROLL GARDENS
Carroll Gardens, NY
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Contact Bill Spitalnick: http://www.linkedin.com/pub/bill-spitalnick/a/160/a30 See More » -
Above Ground Oil Tank Inspection
My insurance broker called me and said that my insurance company wants my above ground oil tank to be inspected for leaks. Is this normal procedure? Anybody has any recommendations for this service? Google search only just shows tank removal nothing for inspections. Thanks. More»
1:55 PM 09/10/2012
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Oil tank tightness tests are pretty standard. NYS requires a licensed tank testing contractor at specific intervals. You can find some companies on line. I'd also try oil companies for contractor leads. See More » -
Non Brownstone Agency homeowners insurance
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Will Smoltino of Narrows Insurance has been recommended in the forum on several occasions. I have been using Will for the last few years and am happy with his service and knowledge of the needs of brownstone owners. See More » -
One more question on Liability/Builder's Risk Insurance.
One more question on these types of policies.... Should both of these policies begin immediately when we close? We are not going to inhabit the townhouse until after/end of construction. However, permits might take some time so construction won't start immediately after closing. I wasn't sure whether it's worth paying for Builder's Risk before we even begin to build! The agent I am working with seems to say we need both right away regardless of when construction starts. Is this right? More»
3:15 PM 08/28/2012
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Don't rely on your lawyer for insurance advice! A standard homeowner's liability policy contains a residency clause and will not cover losses that occur before you have moved into the building. See More »
