Where is New York Property Insurance Underwriting Association's office located?

New York Property Insurance Underwriting Association is located in Lower Manhattan, at 100 William Street, New York, NY 10038. If you wish to visit the office, the entrance to the building is on John Street. We are located on the 4th floor. 

What are New York Property Insurance Underwriting Association's business hours?

Our business hours are Monday through Friday, 9:00 a.m. until 4:30 p.m. Our telephone number is 212-208-9700. 

What types of property does New York Property Insurance Underwriting Association insure?

New York Property Insurance Underwriting Association insures:

• Buildings (Dwelling and Commercial properties)
• Contents of commercial premises
• Household Furnishings/Personal Property

How can I obtain insurance through New York Property Insurance Underwriting Association?

You have three options to apply for insurance through New York Property Insurance Underwriting Association: 

Option 1:

You can apply for insurance through this web site. Click Automated Submissions to the left of this page. Complete the appropriate application form, submit your deposit electronically using a checking account, then click "Submit" to transmit the application. 

Option 2:

You can submit a completed application form by fax. You must dial 212-208-9810 to submit your deposit premium electronically, using a checking account, then follow the prompts.

Option 3:

You can bring in, or mail the completed application and deposit premium to New York Property Insurance Underwriting Association, 100 William St., 4th floor, New York, NY 10038.

How much deposit is required when applying?

Household Furnishings/Personal Property:
$ 50

1 to 4 Family Dwelling:
$ 75  for each $50,000 of coverage or fraction thereof.

All Others:
$ 150 for each $50,000 of coverage or fraction thereof. 

What types of insurance does NYPIUA  provide?

New York Property Insurance Underwriting Association provides five (5) types of coverages:

1. Fire, Lightning, and Explosion
2. Extended Coverage which includes the following perils:
   • Windstorm
   • Hail
   • Riot
   • Civil Commotion
   • Aircraft
   • Vehicles
   • Smoke
3. Vandalism and Malicious Mischief
4. Sprinkler Leakage (commercial property only)
5. The following Time Element Coverages:
   1. Additional Living Expense (dwelling property only)
   2. Rental Value - Loss of Rental Income (dwelling property)
   3. Business Income (commercial property):
      • Mercantile and Non-Manufacturing
      • Manufacturing and Mining
      • Rental Properties
      • Educational Institutions
   4. Extra Expense 
   5. Leasehold Interest 

When will coverage begin?

Generally,  coverage is effective 12:01 a.m,. the day after we receive your application, or a subsequent date  not to exceed 60 days from the received date, provided that the property is in an insurable condition. If you send the application by certified mail or one of the express mail services, the effective date will be 12:01 a.m, the day after the Post Office certification date or the express mail date. If the property is vacant or unoccupied or was previously canceled by the Association because it was uninsurable, coverage will be bound 17 days from the date of receipt.

Who determines the rates used by New York Property Insurance Underwriting Association?

New York Property Insurance Underwriting Association uses the loss costs established by the Insurance Services Office (ISO) as a basis for determining our rates and premiums. We apply our loss cost multiplier and adjustment factors to the ISO loss cost to determine the final premium.

Can my building coverage be automatically increased annually to guard against inflation?

Yes. You can submit an Automatic Increase Endorsement to increase your building coverage by the annual percentage you select. This endorsement is available for occupied dwellings only. Click  "To Print a Form" to the left, select "UA-251 Automatic Increase Endorsement" to view the form and the available percentages.

Can I obtain credit for the fire alarm system in my house?

Yes, fire alarm credit is available for dwelling policies only. You must have one of the following fire alarms installed in your house.

• Central Station Reporting Fire Alarm
• Local Fire Alarm
• Fire Department Reporting Fire Alarm
• Automatic Sprinklers in all areas including attics, bathrooms, closets  and attached structures
• Automatic Sprinklers in all areas except attics, bathrooms, closets  and attached structures that are protected by a fire detector.

You can mail or fax a request to add the fire alarm credit with a copy of the alarm certification to New York Property Insurance Underwriting Association, 100 William Street, New York,  NY 10038.

How can I make changes to my policy?

Policy changes can be made on our web site. Click Automated Submissions to the left. Policy changes can also be made in writing by:

• Mailing your change request to the Association.
• Faxing your change request to 212-344-9879.

You must include your policy number, and specify the change(s) you require. You cannot make a request to change by telephone. 

What can I do if my NYPIUA policy is canceled for a reason other than non-payment of premium, or failure to submit the Anti-Arson Application form?

After you have corrected the condition(s) outlined in the Notice of Cancellation, you should mail a letter to the Appeals Unit of New York Property Insurance Underwriting Association, 100 William Street, New York, NY 10038. The letter should specify the reason for the appeal and must contain the policy number, location of property, the name and telephone number(s) of the person(s) to be contacted for an inspection. You may include photographs or documents to support your appeal. You can fax the appeal to 212-208-9861, or e-mail us at fairplan@nypiua.com.   The Appeals Unit will notify you in writing whether your property is eligible for coverage

What if I obtain insurance through the voluntary market? What do I do with my NYPIUA  policy?

Association policies replaced in the voluntary market will be canceled effective the inception date of the replacement policy provided the request, and a copy of the replacement policy are received by the  Association within forty-five (45) days of the inception date of the replacement policy. Otherwise cancellation will be effective the date the request is received.

Is there someone who can answer questions I have regarding my policy or any other questions about New York Property Insurance Underwriting Association?

Customer Service Representatives are available to answer any questions you may have regarding your policy or other services New York Property Insurance Underwriting Association offers. Our business hours are Monday through Friday 9:00 a.m. until 4:30 p.m. To contact the Association, please call (212) 208-9700 or toll-free at (800) 522-3372 for all areas outside of the five NYC boroughs.

I recently sold my property. How can I cancel my NYPIUA policy?

A. Sale or transfer took place within thirty days prior to your request to cancel:

• Submit your cancellation request by clicking "Electronic Web Submissions."
• No additional proof is required.
• The cancellation will be effective the date of sale.

B. Sale or transfer took place more than thirty days prior to your request to cancel:
Submit a written cancellation request and one of the following:

• Copy of your deed, or
• Copy of your closing statement, or
• A letter from your attorney confirming the date of sale or transfer, or
• A notarized statement confirming the date of sale or transfer.

The cancellation will be effective the date of sale or transfer

For all requests to cancel:

Include your current mailing address to ensure that you will receive the cancellation notice and your return premium check, if one is owed to you.

Submit written cancellation requests to:

New York Property Insurance Underwriting Association
100 William Street
New York, NY 10038-4599

Or by Fax to: 212-344-9879

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