Real estate insurance · D and J Agency

Insurance for the people who own New York.

Apartment buildings, mixed-use, brownstones, co-ops and commercial buildings across New York City, Long Island and Westchester, from one building to a whole portfolio. We shop exclusive real estate markets for a sharper price, with coverage that actually fits the building.

Call 718-490-2873Get my building estimateWhat we insure
The Manhattan skyline at night across the East River, towers lit silver-white above dark water
Owners of every sizeOne building to a whole portfolio
Exclusive marketsReal estate programs not every agency has
A person on every fileReviewed by our team, not a pricing robot
NYC · Long Island · WestchesterFive boroughs, Nassau, Suffolk & Westchester

How it works

One form. A real review. Your number.

No call centers, no robot quotes. Tell us about the building and we do the shopping.

  1. 1

    Send us the building

    Fill out the estimate form — units, construction, current policy. It takes a few minutes.

  2. 2

    We take it to market

    We review the details and take your building to the markets that fit it best.

  3. 3

    You get the number

    We email you an estimate after review, explain the options and help you decide. No obligation.

Start the form

What we insure

Built for buildings.

See everything we cover
01A prewar New York apartment building at dusk with its windows litMultifamily & Apartment BuildingsProperty, liability and umbrella for walk-ups and elevator buildings.02A New York corner mixed-use building at night, storefronts glowing below apartmentsMixed-Use BuildingsApartments over storefronts, insured so both sides fit together.03A row of Brooklyn brownstones with tall stoops at dusk, parlor windows softly litBrownstones & Brick BuildingsOlder construction and rental units, insured to rebuild properly.04The metal and glass entrance of a prewar limestone co-op building at nightHDFC & Co-opsMaster building policies for HDFC and co-op boards.05A black marble apartment building lobby with polished metal details and soft low lightCondo AssociationsMaster policies that line up with your bylaws and lenders.06A Midtown Manhattan office tower at night, floors lit above a glowing lobbyOffice BuildingsProperty, liability and loss of rents for office buildings of every size.07A warehouse with loading docks at night under bright lights on wet pavementIndustrial & WarehouseWarehouses, flex and light industrial buildings, written for how they're used.08A shopping center at night with a row of glowing storefronts and an empty parking lotShopping Centers & RetailStrip centers and retail buildings, from parking lot to rooftop.09A New York brick building wrapped in scaffolding at dusk, lit by work lightsVacant BuildingsCoverage written for buildings that sit empty.10A New York brick building wrapped in scaffolding at dusk, lit by work lightsRenovation & Builders' RiskProtect the project and the building during the work.11A black marble apartment building lobby with polished metal details and soft low lightGeneral LiabilityInjury claims on sidewalks, stairs and common areas.12Rooftop water towers silhouetted against the lit Manhattan skyline at nightUmbrella & ExcessHigher liability limits above your primary policy.

Why The Landlord Insurance

Price and coverage. Both.

Most owners are told to pick one. We think your building deserves a good number and a policy that holds up.

01

Markets not everyone has

Access to insurance markets and programs for real estate that aren't available everywhere — more options to compare for your building.

02

A sharper price

We shop your building so you see what the market will really offer, and we look for savings without cutting the coverage you need.

03

Buildings. Only buildings.

Buildings are what we do: multifamily, mixed-use, brownstones, HDFC and co-ops, office, industrial and retail buildings, vacant buildings and renovations.

04

A human on every file

Every request is reviewed by a person on our team, not a pricing robot. You get an estimate you can actually rely on.

Who we work with

Owners, boards and the people who run buildings.

  • Building owners of every size, from a single building to a large portfolio
  • Small walk-ups to large multifamily and mixed-use buildings
  • Owners of office buildings, industrial and warehouse buildings, and shopping centers
  • HDFC co-ops, co-op and condo boards
  • Property managers
  • New buyers who need coverage before closing
ManhattanBrooklynThe BronxQueensStaten IslandNassau CountySuffolk CountyWestchester County
For property managersJust bought a building?
A New York corner mixed-use building at night, storefronts glowing below apartments

FAQ

Good questions.

What kinds of buildings do you insure?

We focus on New York real estate in New York City, Long Island and Westchester, for owners of every size, from a single building to a large portfolio: multifamily and apartment buildings, mixed-use buildings with stores below, brownstones and brick buildings, HDFC and co-op buildings, condo associations, and commercial buildings such as office buildings, industrial and warehouse buildings, and shopping centers and retail strip centers. We also insure vacant buildings and buildings under renovation.

How do I get an estimate?

Fill out the estimate form with the building details. We review every request and email you an estimate after review. The site does not show automatic prices, because a real number depends on the building.

Do I have to wait until my renewal?

No, but your renewal date is a good target. If you send us your details a couple of months before renewal, there's time to shop properly and compare.

What information helps you give a better estimate?

Your current declarations page, five years of loss runs, the number of units and stories, year built, construction type, any commercial tenants and updates to the roof, plumbing, electrical and heating.

All questions

Renewal coming up? Send us the building.

One form, a few minutes. We shop our markets and email you an estimate after a real review.

Get my estimate
Call 718-490-2873Estimate