Form HO-3 / HO-5 · Personal Lines
Home & Property.
The largest thing you own, valued the way you'd value it. We write homes across Queens and the five boroughs — including the two-family houses, older construction, and flood-adjacent blocks that call centers don't know how to price.
What the policy carries
Dwelling & structures
Rebuilt at today's replacement cost, not the number on a decade-old policy. Detached garages, fences, and finished basements accounted for explicitly.
Personal property
Everything inside, from furniture to electronics, with replacement-cost settlement so a five-year-old sofa isn't paid out like a five-year-old sofa.
Personal liability
Protection when someone is injured on your property or you're held responsible for damage — the coverage most homeowners never think about until a lawyer does.
Loss of use
If a covered loss makes the house unlivable, your hotel, rent, and meals are the policy's problem, not yours.
Scheduled valuables
Jewelry, art, instruments, and collections itemized above standard limits, appraised and insured by name.
Flood placement
Standard homeowners policies exclude flood. We place NFIP and private flood alongside your homeowners so the gap simply doesn't exist.Ask about your flood zone
Condo, co-op & renters
HO-6 and HO-4 forms structured around what the building's master policy actually leaves to you.
Landlord & dwelling fire
Two-family and investment properties written on the right form, with loss-of-rents included.