New York landlord insurance
1–4 family homes, mixed-use buildings, and small multifamily across New York, from Long Island and the five boroughs to upstate. We compare dwelling and lessor's-risk options from multiple A-rated markets and explain the liability questions that matter for New York building owners.
Built for owners like you
1–4 family rentals
Tenant-occupied houses and small multi-family buildings.
Mixed-use buildings
Storefront below, apartments above, written on a commercial or LRO form.
Small multifamily
5+ unit buildings written as commercial property with liability.
Investors & LLC owners
Portfolios, LLC ownership, and financed purchases that need an EOI.
What we can put in place
Coverage, limits, and deductibles depend on the carrier, the property or operation, and the policy issued. We explain each one before you decide.
Dwelling (DP-3)
Open-peril coverage on the building for 1–4 family rentals, with replacement-cost options and other structures.
Lessor's risk only (LRO)
For buildings leased to commercial tenants or mixed-use properties: covers the building and your liability as owner, while tenants carry their own general liability.
Premises liability
New York owners face real slip-and-fall, stairway, and sidewalk exposure. We review limits carefully and recommend an umbrella where it makes sense.
Loss of rents
Replaces rental income while a covered loss makes units unlivable. Limits and time periods vary by policy.
Vacancy & renovation
Vacant buildings and gut renovations need a policy written for that occupancy. We place these case by case.
Flood
Standard policies exclude flood. We quote NFIP and private flood for coastal and flood-prone areas, including parts of NYC and Long Island.
Usually not covered
These typically need a separate policy or endorsement.
- Flood (separate policy)
- Tenants' belongings and tenants' business liability
- Wear, maintenance, and deterioration
- Some policies limit claims involving contractors' workers
- Extended vacancy without the right endorsement
What we need to quote
Have these ready and we can approach the right markets the first time.
- Property address, year built, and number of units
- Occupancy, including any commercial tenants and their business type
- Construction type and year of roof, electrical, plumbing, and heating updates
- Open violations, if any
- Current declarations page and 5-year loss history
- Lender / mortgagee details
- Owner name: individual or LLC
Contractors working on your building
New York Labor Law Sections 240 and 241 can make property owners liable for certain construction-site injuries, including on renovation jobs. Before any contractor starts work, collect a certificate of insurance and, where possible, have yourself named as an additional insured. Some landlord policies also limit claims involving contractors' employees, so we review that wording before you bind.
Common questions
This page is general information, not a policy or a binder. Actual coverage, limits, exclusions, and eligibility depend on the policy issued, carrier underwriting, and state rules. Coverage is not in force until confirmed in writing.
Ready to compare your options?
Free, no-obligation quote. A licensed agent reviews every request and explains what's covered, what's excluded, and what it costs.