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Distinguished Programs
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Distinguished Programs
Contact Us
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New York Brick & Brownstone Insurance Program

Distinguished Programs offers a specialized New York Brick & Brownstone Insurance Program designed for residential and mixed-use property owners in key New York City boroughs. This program is ideal for insuring two- to 30-unit properties, including brownstones, condos, co-ops, row houses, and small apartment buildings. With an easy online submit-quote-bind process, this program provides a seamless experience for agents looking to place urban real estate risks.

Ideal Accounts and Appetite

  • Brownstones, row houses, condos, co-ops, and apartment buildings
  • Properties with 1–30 units, including mixed-use buildings with at least 50% residential occupancy
  • Located in Manhattan, Brooklyn, or Queens
  • Constructed with joisted masonry or better
  • Total Insured Values (TIV) up to $6 million for JMS (joisted masonry structures)

This program is a strong fit for city-based residential buildings that require tailored coverage solutions. For example, if you have a client with a four-unit brownstone in Brooklyn with a ground-floor retail tenant, or a small co-op building in Queens, this program offers the flexibility and protection they need.

Coverage Highlights and Advantages

  • Admitted paper through an A.M. Best A+ rated carrier
  • Special Form – Cause of Loss
  • Replacement Cost and Agreed Amount options for Building Coverage
  • Equipment Breakdown coverage, including miscellaneous electrical apparatus
  • Ordinance or Law Coverage: A up to building limit; B and C at 25% of building value or a minimum of $150,000
  • Terrorism coverage included
  • Business Income including rental value with extra expense
  • Employee Theft coverage
  • Back-up of Sewers and Drains up to the policy limit
  • Deductible options ranging from $1,000 to $10,000
  • Competitive pricing with value-added risk management services

Underwriting Notes and Minimum Premiums

Properties must meet construction standards of joisted masonry or better and be located within the designated NYC boroughs of Manhattan, Brooklyn, or Queens. Mixed-use is acceptable provided at least 50% is residential. The program supports up to 30-unit buildings with TIVs up to $6 million. Minimum premiums vary depending on property details and location.

Territories and Availability

This program specifically targets New York City properties in Manhattan, Brooklyn, and Queens. However, Distinguished Programs writes in most U.S. states, offering a broad footprint and urban expertise across the country.

Why Work With Distinguished Programs?

As a leading Managing General Agency (MGA), Distinguished Programs brings deep knowledge of urban real estate risks and a strong track record of delivering tailored insurance solutions. With access to top-rated carriers and a streamlined digital submission process, agents can efficiently place complex residential and mixed-use property accounts. Risk management services and competitive pricing further enhance the value proposition for your clients.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for brownstones, co-ops, condos, row houses, and small apartment buildings with 1 to 30 units located in Manhattan, Brooklyn, or Queens.

Can mixed-use buildings be covered?

Yes, as long as at least 50% of the building is residential, mixed-use properties are eligible.

What is the maximum insured value allowed?

The program supports Total Insured Values (TIV) up to $6 million for joisted masonry structures.

Is terrorism coverage included?

Yes, terrorism coverage is included in the standard policy offering.

What carrier backs this program?

The program is written on admitted paper backed by an A.M. Best A+ rated carrier.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency
  • Carriers:
  • Keyword Tags:

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CONTACT INFORMATION

LOCATION

1180 Ave of the Americas, 16th Floor
New York, NY 10036
888-355-4626
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Distinguished Programs has other insurance programs like Builders Risk Insurance .