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Co-Op Insurance: What You Need to Know

When buying a co-op apartment there is a lot of information to consider before committing to a decision. As a co-op owner, you share the walls, hallways, basement, roof, elevator and walkways. You may also share common services such as lawn mowing, garbage collection, and snowplowing. What gets tricky, however, is the insurance.

A co-op association will have a master policy for the co-op complex, covering the common areas mentioned earlier. In an earlier post, we provided questions to help determine which master policy your co-op association possesses, and what kind of co-op insurance coverage you will need. Your co-op association will have one of three types of master policies:

  • Bare walls: This policy covers the structure, fixtures, and furnishings shared or common areas within the condominium complex.
  • Single entity: This policy covers everything within the bare walls policy, along with certain fixtures inside condo units (e.g., carpeting, cabinets, appliances).
  • All inclusive: This policy is the most extensive as it covers everything in the condo except for personal property the owner brings into the unit (e.g., clothes, bicycles, artwork).

Knowing the master policy of your co-op association is only the first step in making a fully informed decision about the co-op insurance policy you choose. Luckily we can help you determine what kind of coverage, and how much insurance you will need to feel secure at your co-op. Contact us for more information on all your insurance questions, from co-op insurance to New York renter’s insurance. We got you covered.

Personal Insurance

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Personal Insurance Coverage to Suit Your Needs


Personal Insurance Coverage from Kenneth Bieber, Inc. provides comprehensive protection for individuals and property. Since 1962, Kenneth Bieber, Inc. has negotiated with insurance companies to secure the most effective personal insurance coverage at the best rates. As an independent insurance agency, we maintain relationships with leading personal insurance providers. We’ll create a customized package for you that includes the exact coverage you need. We’re dedicated to providing professional, local attention at your convenience. Whether you’re looking to protect your automobile, insure your home, or increase your personal liability limits, you’ll find the most affordable and appropriate solution with our agency.

Custom Personal Insurance Plans


Personal insurance plans available through our agency include coverage for automobiles as well as many other types of vehicles. We can search our network of providers to insure motorcycles, RVs, antique cars, and even Jet Skis and snowmobiles. Our flexible homeowners insurance policies can cover primary residences, seasonal homes, and waterfront property. Individuals who lease their homes can also purchase condominium or renters insurance through our personal insurance plans. We can also work with clients to create policies that protect valuable possessions, safeguard against identity theft, or secure their personal assets.

An Independent Insurance Agency Committed to Your Protection


At our independent insurance agency, we make your satisfaction our number one priority. We’re always ready to help you save money on your personal insurance coverage through free quotes, multi-policy discounts, and many more deals. We are licensed in New York, New Jersey, and Connecticut. Our local experience in these three states allows us to find the most suitable coverage and provide the most relevant information in all of our client relationships. Our committed customer service and wealth of experience will help us protect what’s most important to you.


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Personal Insurance

Quote ME Now



Personal Insurance Coverage to Suit Your Needs


Personal Insurance Coverage from Kenneth Bieber, Inc. provides comprehensive protection for individuals and property. Since 1962, Kenneth Bieber, Inc. has negotiated with insurance companies to secure the most effective personal insurance coverage at the best rates. As an independent insurance agency, we maintain relationships with leading personal insurance providers. We’ll create a customized package for you that includes the exact coverage you need. We’re dedicated to providing professional, local attention at your convenience. Whether you’re looking to protect your automobile, insure your home, or increase your personal liability limits, you’ll find the most affordable and appropriate solution with our agency.

Custom Personal Insurance Plans


Personal insurance plans available through our agency include coverage for automobiles as well as many other types of vehicles. We can search our network of providers to insure motorcycles, RVs, antique cars, and even Jet Skis and snowmobiles. Our flexible homeowners insurance policies can cover primary residences, seasonal homes, and waterfront property. Individuals who lease their homes can also purchase condominium or renters insurance through our personal insurance plans. We can also work with clients to create policies that protect valuable possessions, safeguard against identity theft, or secure their personal assets.

An Independent Insurance Agency Committed to Your Protection


At our independent insurance agency, we make your satisfaction our number one priority. We’re always ready to help you save money on your personal insurance coverage through free quotes, multi-policy discounts, and many more deals. We are licensed in New York, New Jersey, and Connecticut. Our local experience in these three states allows us to find the most suitable coverage and provide the most relevant information in all of our client relationships. Our committed customer service and wealth of experience will help us protect what’s most important to you.