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This isn’t pizza.

New York City isn’t like the rest of the country. Don’t believe us? Look at what national chains call pizza. Stuffed crusts? HOT DOG CRUSTS? Yeesh.

This may pass for pizza in parts of the country that don’t know any better, but here in New York, good sauce and a perfect crust are more important than weird gimmicks. Real New Yorkers eat local pizza, whether it’s from the fancy brick-oven pizzeria in the next neighborhood or the cheap slice place on the corner.

When it comes to finding the right insurance for your Brooklyn apartment, there are a lot of national insurers with 800 numbers who think they know what you need. Thanks to the stuffed crusts, you know better. You need to talk to someone local. Someone who knows that New York property values and labor costs are higher, while crime rates are lower. Someone who knows how to deal with the peculiarities of Brooklyn co-op boards and condo associations, and can evaluate the risks inherent in buildings with older plumbing and electricity.

Gotham Brokerage Co., Inc. is a local, family-owned company that has been helping New Yorkers find the right apartment insurance for more than 50 years. They know the ins and outs of New Yorkers’ insurance needs. They work with quality brands such as Progressive and Travelers, hand-picking policies that work best for locals.

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The holiday season doth approach, and you’ve got a lot to do. Between Thanksgiving and the New Year, you’ve got the turkey, the lights, the tree, the Hanukkah candles, the plane tickets, the wrapping paper… In all the excitement, are you forgetting something?

While you’re compiling your holiday to-do list, make sure that “get your apartment insured” is somewhere near the top. Unfortunately, ’tis the season for break-ins while you’re away on vacation, cooking accidents, and home fires caused by Christmas lights, candles, dry trees and fireplaces. There are many things you can do to prevent these mishaps, but if the worst should happen, you want to make sure your personal belongings are protected.

Fortunately, getting your apartment insured may be the easiest item to check off your to-do list. Gotham Brokerage Co., Inc. has been New York City’s most trusted source for apartment insurance for over fifty years, and they will work with you to find the best policy. 

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There are some things that, as a New Yorker, you can’t protect yourself from, like pigeons pooping on your head or packed subways on your morning commute. But there is one thing that you can arm yourself against: the cost of wind damage from fall storms. And Gotham Brokerage Co., Inc. can make sure you find the right insurance policy for your needs.

Photo by Anthony Quintano via Flickr

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What’s the worst thing that can happen to your New York apartment in a heat wave? Well, your notoriously finicky elevator could require maintenance and turn your apartment into a 14th story walk-up. At least you’ll get some exercise.

But what happens if your air conditioner unit clogs and has to be turned off while repairs are made or a lightning strike or power surge knocks out the unit? Suddenly, you’re really wishing you’d gotten around to getting renter’s insurance.

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Sip and relax | Nick Watts via Flickr

You’ve booked your tickets, packed your GoPro, and announced your plans on Facebook. You even got your boss to sign off on your holiday request. It’s finally time for your summer vacation.

Now that you’ve checked everything off of your to-do list, you can forget all about your city life and focus on important things like sipping drinks with tiny umbrellas.

Wait a minute. There might be one thing left on your list. Did you remember to update your renters insurance?

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Being a freelancer is tough enough. If something happens to your laptop — basically your whole office in one delicate package — it can be a catastrophe for someone with a dozen deadlines, living paycheck to paycheck.

So what happens if a pipe bursts in your walls? Or someone breaks into your apartment? Or a small electrical fire two floors down results in firefighters breaking in your windows so they can hose down your bedroom? With your laptop damaged or stolen, are you going to run your business from a 15-year-old desktop computer at the public library?

Keep your home office insured | daveynin via Flickr

Simply put, renters insurance is worth the cost. For as little as $125 a year — what’s that? a pair of shoes? — you could be making sure that your laptop is covered against fire, theft, and water damage. Most policies will cover up to $2,500 (just ask about restrictions on business related property).

Gotham Brokerage Co., Inc. can help find the policy that’s right for you. They know how New Yorkers live, and they’ll get you the best rate for your individual insurance needs. Best of all, the whole process takes maybe about 20 minutes, probably less time than anything else on your to-do list.

Don’t wait until something bad happens. Contact Gotham Brokerage today to find out what the right coverage is for you.

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Make your policy match your possessions | Nick Keppol via Flickr

You’re responsible. You set up your homeowners or renters insurance years ago, so you’re all set, right? Not so fast. Every once in a while, it’s good to revisit your policy to see if it needs updating.

Some questions to ask yourself:

— Have you made any recent big purchases? A new television, computer, or jewelry? A musical instrument? Have you exceeded the overall limit of what’s covered in your policy?

— If you recently acquired jewelry, does your policy cover that category?

— Do you do a lot of online shopping? If so, does your policy cover theft or damage to incoming packages?

— Do you have a bike? Does your policy cover theft outside the apartment?

— Is your name on the policy? If not, are you still covered?

These questions aren’t meant to give you something new to worry about. The answers are only a phone call away. Gotham Brokerage Co., Inc. is a New York-based, family-owned company, and they know NYC apartment owner and renter needs better than anybody else. This means they can quickly make sure that you have the right plan and coverage for your needs.

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Arts and Crafts | via Flickr

Even if your children are angels 98 percent of the time, it only takes that other 2 percent to do some damage to your home. Maybe they decide to draw themselves a bath, and leave the water running, flooding your apartment as well as your downstairs neighbors’. They may try to flush their stuffed Nemo doll down the toilet, or surprise you with what was supposed to be breakfast in bed but ended up resulting in a small fire. 

Children, no matter how pure their intentions might be, are agents of chaos.

The right home and renters insurance can cover the damage to your belongings wrought by your little rogue angels. Gotham Brokerage Co., Inc., has over 50 years of experience matching New Yorkers with insurance policies that are right for them. And the process is easy and fast — easier and faster by far than it is getting your kids ready for school in the morning.

Your next kid-caused catastrophe could happen at any minute… contact Gotham Brokerage today.

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You would think people who work for insurance companies would be the most careful people in the world. But one of Gotham Brokerage’s own — who prefers to remain nameless — had this story to share about her own narrowly averted apartment disaster.

“I almost flooded my apartment today!” she writes. “The landlord had turned off our water for an hour for maintenance. I completely forgot about it. So when I turned on the faucet and no water came out, I just left — totally forgetting to turn it back off. Luckily my daughter was home and heard the water running. I’d hate to think what would have happened if she hadn’t been home.”

Lots of us have stories of close calls like this — the time we forgot about oil heating up on the stove or when our upstairs neighbor locked himself out while his bathtub was running. Fortunately, if things go bad, apartment insurance from Gotham Brokerage Co., Inc can help you replace your belongings and cover the cost of repairs. Gotham knows NYC apartment owner and renter needs better than anybody else, which means they can help you find the right coverage in the time it takes you to almost flood your apartment. If you have a moment, maybe today is the day to request a free quote, yes?

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You don’t have to be unusually careless for something to go wrong in your home. Apartment insurance can help cover you when your momentary lapses of reason, or just plain bad luck, turn into major headaches.

Let’s say you go around the corner to pick up your laundry, and you leave your apartment door unlocked for just a couple of minutes…potential burglary. Or you tell yourself you’ll clean the toaster oven next time…potential fire. Or you fall asleep while filling the bathtub…potential flooding. Leading to, potentially, thousands of dollars of damaged or stolen property.

Hopefully, none of these things will happen to you. But if they did? Gotham Brokerage can help you find the right insurance to cover you and your belongings in case of life’s little disasters. It’s super-fast to sign up, and costs a lot less than you would probably think. Contact Gotham today to get a quote… It will be the smartest thing you do all day.