Few things are trickier than buying into a New York City co-op, and part of the hassle is figuring out what you need in terms of co-op apartment insurance.

Gotham Brokerage is a family-owned business that’s been helping New Yorkers for more than 50 years. In a city as competitive as ours, we think that longevity speaks to how good we are at doing our job — which is to help you find the insurance that will meet your needs.

Finances have become much more precarious nationwide. That’s why renters’ insurance is so important.

More and more, insurers are using complicated surcharge and tier systems that do two things: make it far more difficult to assess risk and therefore premium amounts; and skew the system to benefit drivers with flawless records at the expense (literally) of drivers who don’t.