You know that little feeling in the back of your mind that you forgot something? We hate that. And with complex insurance decisions, it’s all too common. Insurance is supposed to protect your family, your assets and your lifestyle, not leave you worrying about coverage gaps. As New Yorkers, we face the same daily risks – we get it. That’s why we promise to be accessible and relatable, sharing our knowledge so you feel totally comfortable.
Why should I choose HCP?
Some insurance companies will offer you exactly what you ask for when you call for a quote. We think that’s only half our job. HCP digs in to find out where the true hazards are and asks questions about risks you may not have thought of yet. (Example: Are you a casual cyclist? Your homeowners can follow you outside your home. Why does that matter? It can help you in case of an accident.)
What’s more, we have agents who live throughout the city and we’ll pair you with an agent who knows your neighborhood and your language. They understand what keeps you up at night and will put themselves in your shoes to help you get the right level of coverage.
What Personal Insurance coverages do you offer?
We offer all types of personal insurance – as a broker, anything you need we can find. From art coverage to yacht insurance, we have relationships with nationwide carriers that enable us to find the coverage you require. Below are links to more information on some of the most common coverages New Yorkers ask about.
Property Insurance
insures your home – and the contents in it – against perils such as fire, hail, lightning and vandalism, so you can rebuild or replace what you’ve lost. Typically, floods and earthquakes are not included in basic policies, but optional coverages are available.
Private Client Insurance
helps protect special valuables such as art, antiques, wine cellars and jewelry; and helps you manage the unique set of risks that come with a high net worth.
Personal Umbrella Insurance
insures your home – and the contents in it – against perils such as fire, hail, lightning and vandalism, so you can rebuild or replace what you’ve lost. Typically, floods and earthquakes are not included in basic policies, but optional coverages are available.
Life Insurance
protects your family and others who depend on you for financial support and can help cover funeral expenses. Life insurance can also play a role in building wealth and investments.
Flood Insurance
coverage to protect you from a multitude of water risks, from burst water pipes to Mother Nature’s fury, to help you recover quickly. The typical property policy usually excludes flood and water damage.
What about condos, co-ops and apartments?
Life in New York City offers a host of home options and you need coverage tailored for each. Take a look at Co-Op Insurance a branch of HCP that specializes in New York City co-op, condo and renters insurance. Our expert team of dedicated, licensed insurance agents are hyper-focused on the varied and individual property needs of New Yorkers so you can be sure your investment is protected.
