Someone in your corner
when it counts.
Best Champion Insurance Brokerage shops the market on your behalf across New York, New Jersey, Connecticut, and Pennsylvania — so the policy you land on actually fits your life, not just a carrier's quota.
Coverage for every side of life.
Whether you're insuring a family, a growing business, or a niche practice — we build a program that fits.
Home & Auto
Protection for the life you've built — and the people in it.
- Homeowners & renters
- Auto & umbrella
- Valuables & collections
The things you've built — a home, a car, the people who depend on you — deserve coverage that actually fits your life, not a one-size policy pulled off a shelf.
We compare your options across our carrier partners and put together a personal insurance program built around what you own and how you live.
-
—
Homeowners & Renters
Protects your home, belongings, and liability if someone is injured on your property.
-
—
Auto Insurance
Covers your vehicle and liability in the event of an accident or damage.
-
—
Umbrella Insurance
Extra liability protection above your home and auto policy limits.
-
—
Valuables & Collections
Scheduled coverage for jewelry, art, and other high-value possessions.
Types of Home Insurance Coverage
The right policy form depends on whether you own a house, a condo or co-op, or rent.
| Policy Type | Who It's For | What It Covers |
|---|---|---|
| HO-3 | Single-family homeowners | The standard policy — open-peril dwelling coverage plus named-peril coverage for your belongings. |
| HO-5 | Higher-value homeowners | Broader than an HO-3 — open-peril coverage for both the dwelling and your personal property, usually at replacement cost. |
| HO-6 | Condo & co-op owners | "Walls-in" coverage — interior walls, personal property, liability, and any improvements you've made. The building's own policy covers the structure and common areas. |
| HO-4 | Renters | Covers personal property, liability, and additional living expenses. Does not cover the building itself — that's your landlord's policy. |
What a Standard Policy Covers
| Coverage | What It Protects |
|---|---|
| Dwelling | Your home's structure — walls, roof, foundation, built-in appliances — usually at full replacement cost. |
| Other Structures | Detached garage, shed, fence, or pool. |
| Personal Property | Furniture, electronics, clothing, and appliances, typically 50-70% of your dwelling limit. |
| Loss of Use | Hotel, meals, and temporary living costs if your home becomes uninhabitable. |
| Personal Liability | Legal defense and damages if someone is injured on your property. |
| Medical Payments | Guest medical bills regardless of fault, without a liability claim. |
What's usually NOT covered
- Flood damage — needs a separate policy
- Earthquake damage — needs an endorsement
- Gradual wear, rot, or neglect
- Sewer & sump pump backup — add-on available
- Home business equipment & liability
- Jewelry, art & collectibles above sub-limits
What affects your premium
- Location & distance to a fire department
- Home age, condition & construction type
- Claims history
- Deductible amount
- Credit-based insurance score (state-dependent)
- Bundling with auto or umbrella coverage
Common Questions
Is home insurance required?
Not by law in any state we serve, but a mortgage lender will require it for the life of the loan. Skip it and your lender can force-place a policy that costs more and covers less.
Does my policy cover flood damage?
No — flood is excluded from every standard homeowners policy, in every state. If you're near water or in a FEMA flood zone, ask us about a separate flood policy.
Do I need a policy for my co-op or condo?
Yes. The building's master policy only covers the structure and common areas — an HO-6 policy covers everything from the walls in, plus your liability.
What's the difference between replacement cost and actual cash value?
Replacement cost pays what it takes to rebuild or replace with new; actual cash value subtracts depreciation. We recommend replacement cost on both dwelling and contents wherever it's available.
Ready for a personal quote? Tell us what you need and a broker will follow up with options.
Get a Personal QuoteCommercial
Coverage that scales with your operation, from launch to legacy.
- General liability
- Commercial property
- Workers' compensation
- Commercial auto
- Disability insurance
Running a company means carrying risk every day — a slip in the lobby, a fender-bender in the company van, a burst pipe in the stockroom. A business insurance policy is the backstop that keeps one bad day from becoming a lasting setback.
We build a program around how your company actually operates, then shop it across our carrier partners so you're not stuck with a single insurer's rate.
-
—
Liability Insurance
Protects your business against claims of negligence or harm caused by your operations.
-
—
Workers' Compensation
Covers medical costs and lost wages if an employee is hurt on the job.
-
—
Commercial Auto
Covers company vehicles and drivers in the event of an accident or property damage.
-
—
Property Insurance
Covers your building, equipment, and inventory against fire, storm, and other physical loss.
-
—
Disability Insurance
Replaces a portion of income for you or an employee unable to work due to injury or illness.
Requirements Vary by State
Workers' comp rules, minimum auto liability limits, and disability benefit mandates all differ across New York, New Jersey, Connecticut, and Pennsylvania. As your broker, we track what applies to your business so you're never guessing.
Generally required
- Workers' compensation, once you have employees
- Commercial auto, for business-use vehicles
- Disability benefits, in some states we serve
Not mandated, but expected
- General liability — required by most leases & contracts
- Professional liability, for advisory work
- Cyber liability, for businesses holding customer data
Industries We Serve
- Restaurants & food service — GL, workers' comp, liquor liability if serving alcohol, food spoilage & business interruption
- Contractors & construction — GL, workers' comp, commercial auto, tools & equipment coverage
- Retail stores — BOP, workers' comp, product liability if manufacturing or reselling goods
- Professional services — professional liability, GL, cyber liability
- Delivery & logistics — commercial auto, GL, cargo coverage, workers' comp
- Real estate & landlords — landlord insurance, GL, umbrella coverage
Common Questions
What commercial insurance is required for my business?
It depends on your state and industry. Workers' comp is mandatory almost everywhere once you have employees, commercial auto is required for business vehicles, and general liability — while not always legally mandatory — is usually required by leases and client contracts.
What is a Business Owners Policy?
A BOP bundles general liability and commercial property into one policy, typically at a discount versus buying each separately, often with business interruption coverage included.
Do I need commercial auto, or is my personal policy enough?
If a vehicle is registered to your business or used mainly for business, you need commercial auto. Personal auto policies explicitly exclude business use — a claim would be denied.
What is a Certificate of Insurance (COI) and how do I get one?
A COI is proof of active coverage that landlords, clients, or general contractors often require before you can work on their property or sign a contract. As your broker, we can issue one quickly.
Ready for a business quote? Tell us what you need and a broker will follow up with options.
Get a Business QuoteThank you!
We've received your quote request. A Best Champion broker will review it and get back to you within one business day.
Need us sooner? Call 212.233.6888 or email info@bestchampioninsurance.com.
Why Work With an Independent Insurance Broker
We're not tied to one carrier's rate table. Since 1998, Best Champion has shopped the open market across New York, New Jersey, Connecticut, and Pennsylvania to find coverage that actually fits — then stayed in your corner after the policy is signed.
-
01
Independent, not captive
You deserve options. As an independent brokerage, we compare across multiple carriers instead of pushing one company's product. You get the best fit, the right price, and coverage that actually matches your needs.
-
02
Licensed in four states
One broker, one relationship. We're licensed in New York, New Jersey, Connecticut, and Pennsylvania, so your home, business, or multi-state portfolio stays protected without juggling different agents.
-
03
Annual policy reviews
Insurance shouldn't be "set it and forget it." We review your coverage every year to make sure it evolves with your life, your business, and your risk profile — not just at renewal time.
-
04
A real person, not a call center
You reach the same broker every time. Since 1998, we've built trust through consistency, not scripts. Real conversations, real accountability, real service.
-
05
Expert guidance across carriers
Policy language, exclusions, endorsements, and compliance requirements can get complicated. We break it down clearly and advocate for you — not the insurer.
-
06
Claims support when it matters most
If something happens, you're not alone. We help document, escalate, and resolve claims so you get fair treatment and faster outcomes.
-
07
Risk management and compliance
From property classifications to workers' comp audits, we help you stay compliant and avoid costly surprises. Good coverage is only part of the equation — good guidance is the rest.
-
08
Regional expertise: NY, NJ, CT, and PA
Every state has its own rules, appetite, and quirks. We understand the regulatory landscape, carrier preferences, and property challenges across New York, New Jersey, Connecticut, and Pennsylvania — so your coverage stays aligned wherever you live or operate.
We don't disappear after the sale.
When something happens, we help you open the claim, track the adjuster, and push the carrier when things stall. It's part of working with us — not an upsell.
Call 212.233.6888
Where we're licensed to help.
One broker relationship, across four states.