Brownstones, townhouses & brick buildings
Brownstone and brick building insurance
Brownstones and brick buildings are built to last, but older construction, original details and rental units all need to be written correctly. We help make sure the building is insured to what it would really cost to rebuild.
What it can cover
- The building at a realistic rebuilding value
- Rental income if tenants have to move out after covered damage
- Liability for stoops, sidewalks and common areas
- Ordinance or law for code upgrades after a covered loss
- Water damage from sudden pipe bursts (terms vary by policy)
- Umbrella coverage for higher liability limits
Who it's for
- Brownstone owners with rental units, from two-family homes to full buildings
- Townhouse owners who rent part or all of the building
- Brick walk-ups of every size
- Investors with several older buildings
What affects your price
- Age and updates to roof, wiring, plumbing and heat
- Number of rental units and owner occupancy
- Rebuilding value of original details
- Sidewalk and stoop condition
- Prior water or fire losses
- Deductibles and limits
Coverage depends on the policy and underwriting. We'll explain exactly what your estimate includes.
Why us
Buildings are the whole job.
Markets not everyone has
Access to insurance markets and programs for real estate that aren't available everywhere — more options to compare for your building.
A sharper price
We shop your building so you see what the market will really offer, and we look for savings without cutting the coverage you need.
Buildings. Only buildings.
Buildings are what we do: multifamily, mixed-use, brownstones, HDFC and co-ops, office, industrial and retail buildings, vacant buildings and renovations.
A human on every file
Every request is reviewed by a person on our team, not a pricing robot. You get an estimate you can actually rely on.
Renewal coming up? Send us the building.
One form, a few minutes. We shop our markets and email you an estimate after a real review.