Why Brooklyn Brownstone Owners Are Switching Their Insurance Plans

Sponsored By Brownstone Agency, Inc.

The Brownstone Agency, Inc. has been providing quality and affordable insurance coverage for brownstone, townhouse, and multi-family owners, and condo and co-op boards since 1973.

Created By Brownstoner

Brooklyn brownstone owners are finding a smarter way to protect their buildings. As property values keep rising, more owners are turning to Brownstone Agency’s fresh approach to insurance — one that puts choice and savings first.

The feature catching owners’ attention is the three-year prepaid plan. At a time when most insurance companies hike their rates yearly, Brownstone Agency lets property owners lock in their costs until 2027. For owners watching their bottom line, this price guarantee offers peace of mind in an unpredictable market.

The agency’s build-your-own approach to coverage sets it apart from other insurers. Instead of pushing preset packages, Brownstone Agency’s underwriters work to shape plans around each building’s needs. Their approach includes:

• Coverage tied to real rebuilding costs
• Freedom to drop unneeded coverage
• Mid-policy changes without penalties
• Pricing based on actual risks

This matters because standard insurers often force owners to buy more coverage than they need. For instance, many require personal property coverage at half the building’s value — whether it makes sense or not. Brownstone Agency lets owners choose what fits their needs.

Brooklyn property owners, known for their smart money handling, are taking note. The mix of steady rates and custom coverage hits the sweet spot between savings and security. The three-year prepaid plan especially appeals to owners tired of yearly rate jumps (as much as 20 percent!).

Brownstone Agency brings 52 years of Brooklyn property know-how to the table. Their understanding of local buildings shows in how they handle each property’s unique needs.

For brownstone owners looking to avoid the next rate surprise, Brownstone Agency’s three-year lock-in plan offers a way forward. Call Brownstone Agency and ask about their prepaid three-year option today.

[Photos by Susan De Vries]