Unique real estate has become synonymous with the Big Apple. Just walking the streets of the city, you can’t help but notice the beautiful buildings and architecture. In New York City, brownstones are among the most coveted residential properties. Named after the brown sandstone used to create them in the early 19th century, brownstones feature distinct architectural details not found in modern construction.
Because of their one-of-a-kind characteristics and history, insuring a brownstone is not like insuring a regular single-family or multifamily home. Brownstones often require special considerations, such as historic preservation and meeting modern building codes. Muller Insurance is an independent insurance agency that partners with various well-known providers specializing in coverage for older homes and other historic buildings. Here, we detail what you need to know when seeking insurance coverage for a brownstone house in NYC.
Will a Standard Policy Do for a Brownstone?
Just looking at a brownstone, you can see it is unlike any other home. Therefore, it should not come as a surprise that a standard home insurance policy will not suffice. That goes for renters also. A standard renters insurance policy will not fully cover you against financial losses in a brownstone home. Instead, properly insuring a brownstone requires a special insurance program that includes liability and property insurance, as well as certain enhancements.
Are There Special Insurance Needs Based on the Historic Architecture?
Given the historic architecture of brownstones, additional coverage must be included, such as ordinance or law coverage. This add-on is necessary to protect the homeowner during an incident that results in required upgrades to the property. Those upgrades will need to meet current building codes during a rebuild. Having this additional coverage will help the homeowner pay for expenses, saving them from taking on financial responsibility alone.
Find the Right Homeowners Insurance With Muller Insurance
For over 100 years, Muller Insurance has helped residential and commercial clients better understand the insurance industry and find policies that best meet their needs. Those looking for proper insurance for their brownstone house can find exactly what they need when they work with our team.
As an independent agency, we have the benefit of partnering with a large selection of trusted providers. This allows clients to receive their ideal coverage at an affordable price. The insurance providers you will find at Muller Insurance include:
At Muller Insurance, we are proud of the strong reputation we have built for ourselves. We are dedicated to helping clients in New York, New Jersey, and other states handle all their insurance concerns with class and professionalism. Contact us today to learn more about our services or to get a quote.