I have recommended him to many clients who were all very satisfied:
Charles M. Chernick, J.D., CIC
Arthur Chernick Co., Inc.
370 Lexington Ave. at 41st St.
New York NY 10017
T: 212-697-2147 X 201
C: 914-588-6455... more
Much will depend on your personal needs, type of structure, etc., therefore contact any local insurance companies and ask for free estimates based on those needs; then choose the protect that suits you best...... more
A home warranty is great for a home owner...it covers various appliances and systems (you can add options) that vary from company to company. The question is, as a renter, what is your landlord covering and what are you responsible for.
They generally vary from $400-600/annually. If the oven dies, is it your landlord's responsibility? How about the heating system?
I have used two different companies and utilized services of both that made sense for my home. I am a homeowner.... more
The coop has a master policy. It may or may not cover individual units and /or damages that unit causes in other units. It depends on the cause of the backed up toilet.
Is it the coop's plumbing that caused the backed toilet or did the share holder flush something down the toilet. Most coops recommend or require the share holder to have home owner's insurance for this reason. Home owner's insurance will cover it. Coop's master insurance probably not. They may fix the plumbing but they probably will not pay for the damages in the unit below.
Contact the super, building manager or managing agent to find out.... more
Well, obviously I don't know any details of your home, but look into Pure Insurance, they specialize in coastal homes so they would have strong flood and wind coverage. They write policies in New York.... more