Paperwork and boring stuff…….skip if you aren’t in the market for home insurance.
When we purchased our home in Bay Ridge, it was a pain to get home insurance because insurance companies were leary about insuring the area because a tornado blew through one or two blocks two years prior. Yes, a tornado hit several blocks in Bay Ridge (I was driving when the tornado hit the Belt Parkway and it was stormy, but not awful.
So we couldn’t go with a regular insurance company like Geico or Allstate because they weren’t insuring new home owners (some were dropping their current homeowners as well).
So we went with Tower Insurance out of the advice of a local office. When we purchased our home, Tower Insurance had a A or an A- rating. The company’s rating slumped and they were downgraded. Then Tower merged with another company ACP
We are currently insured by MIC General Insurance Corporation (a subsidiary company for National General Insurance. It has an AM Best Rating of A-. If you are just buying a home in Bay Ridge and need insurance, this might be a possibility.