Insurance providers

Hi – I’ve been using Pure for some years now for insuring our brownstone. They’ve always been expensive but have just gotten a lot worse so I’m looking for options and I’d love to hear what people are paying. Of course, it’s hard to compare policies but Pure is a pretty full-featured policy. They are setting rebuild costs at ~3.5M, will cover historical methods of rebuilding, and doesn’t actually limit rebuild costs. That said they are looking for 17K for the year on our 3700sq.ft brownstone. Is anyone else willing to share who they are using and what they’re paying?

thank you all

arewedoneyet

in General Discussion 2 years and 8 months ago

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arewedoneyet | 2 years and 7 months ago

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For anyone following along.

Allstate had good plans and prices as well as good discounts for bundling but wouldn’t insure my home for more than 1.5M

Pure wants to insure for ~4.1M at a cost of ~17K
Narrows quoted ~2M in coverage at a cost of ~8K
Amica quoted ~2.9M in coverage for ~13.5K with 2M of personal property
Brownstone quoted 2.5M in coverage for 5K/year with a 3 year policy but only included 200K in personal property.

We’re going with Brownstone and will add a secondary policy for additional personal property.

DazednConfused | 2 years and 8 months ago

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>Does anyone here have a recommendation for an insurance broker that they love who has helped get multiple quotes?

For what it’s worth, I used Will at Narrows Insurance Agency ( https://narrowsins.com ) ~1 yr ago and he seemed pretty knowledgeable. Think I got 4 quotes and went with Distinguished Programs; it’s 1.4M of coverage for our ~3400 sq ft house (non-landmarked) for 2.5k/yr.

justinromeu26 | 2 years and 8 months ago

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Based on what met life told us about the rebiuld cost of our smaller queens home, those numbers you cite would be too low over here and i have to guess way too low over there. The 800 is possinly ok here, not the 500.

arewedoneyet | 2 years and 8 months ago

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I have been surprised at the bizarre range of rebuild cost that I have bee quoted. On the low end are numbers like 500-800K which would not be enough and would surely end up in a situation like that of the poor woman in Boerum Hill. On the other hand is the crazy number Chubb produced which would be enough for us to bring Italian artisans over along with their translations and families, quarry new brownstone, care it, and install it.

cate | 2 years and 8 months ago

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What a horrifying fire in Boerum Hill.

arewedoneyet | 2 years and 8 months ago

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I don’t want to be under-insured but a new build price of $2600 per sq. foot is nuts. I didn’t get a price on policy but I’m sure it’s going to be 10s of thousands a year. Too rich for me.

justinromeu26 | 2 years and 8 months ago

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Well. Depending on what the insurance costs, that might not be the worst.

Not sure if i mentioned it above, but we had been at christmas eve dinner at a friend’s in borum hill ten or so years ago. We left at 11 pm or so. As we went down the street, i commented about something burning but dismissed it as a fireplace (the house we’d been in had a fire burning in theirs) . By 2 am the neighboring house was engilfed and i think they lost the roof and all. Total loss. Still vidoes of that fire on you tube. The insurance did not cover the rebuild cost and the woman was forced to sell the house.

arewedoneyet | 2 years and 8 months ago

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Chubb just came back with a rebuild cost of 9.5M. My head might explode.

arewedoneyet | 2 years and 8 months ago

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Thanks all for your input. I’m getting building replacement cost coverage of 1.8M for a 3680sq. ft. house. How much coverage are others getting?

arewedoneyet | 2 years and 8 months ago

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Does anyone here have a recommendation for an insurance broker that they love who has helped get multiple quotes?

thank you

musicbytheocean | 2 years and 8 months ago

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My in-laws went with a new policy with Zurich, their Distinguished line in 2021 for a 5-story brownstone. They also found Kingstone quote to be reasonable. They had been paying $8K per year with another provider and I think managed to cut in half with the new policy, though I don’t know the coverage specifics.

justinromeu26 | 2 years and 8 months ago

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We can always find a left over bag of asbestos to dump into the plaster. How about ivory?

arewedoneyet | 2 years and 8 months ago

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Hah – I keep thinking about making them pay for horse hair. I was talking to an agent today who was talking about how hard it is to find plasterers and that it’s a whole thing and that replacement cost of $1100/sq. ft. is warranted.

justinromeu26 | 2 years and 8 months ago

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Brokelin. All that really matters is that the finish details be done that way. The stair balustrade, the doors, the floors, the moldings. All of this can be had, even if recreated at a place like adriatic and some commericial door makers manufacture doors the old way. We don’t have to go back too far to find men who did this the old way and even i have and can cope crown moldings (big ones).

It does not matter if what is underneath is new and modern: drywall under a coat of plaster, plywood sub floor under oak face nailed strip, marine epoxy under the oak facing to make up a door. Use modern where it makes it better and keep old where it pleases the eye.

You are correct though. It is very hard to teach the younger generations to do this. Not only do we no longer have shop classes in schools, but you have to want to do it. You have to want to do it so bad that when you are 17 you come home from school and do it on your own or with like minded friends and as your are learning, you open a book or read on the ‘net instead of playing video games. You ha ve to want to do it so bad that if the boss says “stay after work for an hour with me today i want to teach you something” (at no pay), you appreciate what he or she is offering and take advantage of it without complaining.

Steve
Www.brownstonehomeinspection.com
Www.thetinkerswagon.com

brokelin | 2 years and 8 months ago

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I realize there are reasons to want to rebuild as much as one can a facsimile of an old home that gets damaged, but I question whether the materials or craftspeople even exist to rebuild in the same that way a brownstone was built over 100 years ago, even with unlimited $.

justinromeu26 | 2 years and 8 months ago

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I have not read my new policy yet nor spoken to farmers to see if they will honor all of the terms of my old met life policy, but if they are still offering the same policy colonial mentions above, i would check out farmers. Met life told me the cost of the rebuild using the same matetials was not limited to their estimate of the cost of the rebuild.

arewedoneyet | 2 years and 8 months ago

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Wow – thanks all. It really seems that I’ve been gouged the last 5 years with Pure. Do any of you have agents you’ve used that you’d recommend? Mine, who put me with Pure, seems like the wrong one moving forward.

justinromeu26 | 2 years and 8 months ago

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Colonial: we had met life. We probably had the policy you speak of, rebuild with exact materials. Unfortunately, met life sold auto and home to farmers a year ago. They no longer insure homes.

colonialrevival | 2 years and 8 months ago

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MetLife A+ policy… around $3000 annually.