We at Gotham Brokerage Co., Inc., have been through a lot of holiday seasons in the city, and we know the special hazards holidays can bring — and happiness, too.

Condos and co-ops are similar in that both have monthly maintenance fees that cover building expenses including heat, hot water, insurance, staff salaries, and real estate taxes. In both cases, the building’s master insurance policy should cover damage to the exterior as well as common areas such as walkways, foyers, elevators, basements and roofs.

Getting a Manhattan condo insurance quote is a critical part of condo shopping. At Gotham Brokerage, we recommend buyers start this process early and not wait until just before closing.

If a snow-covered tree falls in Central Park and crushes your car, are you covered? What if downed trees litter the yard of your Upstate New York second home? Or a curbside oak in Park Slope came through your brownstone’s window?