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Refine Risk
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  • Real Estate
    • Builders Risk
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  • Resources
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    • Coverage Guides
      • Personal
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        • Flood Insurance
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  • Insurance Tips, The Landlord Guide

Do I Have the Right Insurance for My Mixed Use Property in Queens?

Owners of mixed use properties in Queens often assume their insurance is “fine” because the policy renews every year and nothing has gone wrong. In reality, most policies quietly fall out of alignment with the building over time. Costs increase,…

  • Libbie Cedeno
  • December 18, 2025
  • Commercial Insurance, The Landlord Guide

Mixed Use Building Insurance

What Property Owners in the Tri-State Area Need to Know Mixed use buildings are central to communities across New York, New Jersey, and Connecticut. They sit at the intersection of residential living and commercial activity. A building may have apartments…

  • Libbie Cedeno
  • December 9, 2025
  • Insurance Tips, The Landlord Guide

Landlord Insurance Guide: What’s Covered, What’s Not, and Why It Matters

Protecting Rental Properties in New York, New Jersey, and Connecticut Renting out property can be a powerful wealth-building tool, but it also opens the door to serious risk. If you think your homeowners insurance has you covered, think again. Landlord…

  • Libbie Cedeno
  • June 25, 2025
  • Insurance Tips, The Landlord Guide

Apartment Building Insurance Cost Guide for NY, NJ, and CT Landlords

westchester insurance agency

The True Cost of Apartment Building Insurance in the Tri‑State Area Investing in apartment buildings in the tri-state area comes with high stakes and rising insurance costs. In New York, New Jersey, and Connecticut, multifamily property insurance premiums have surged over 30%…

  • Libbie Cedeno
  • June 23, 2025
  • The Landlord Guide

What Is Landlord Insurance and Why It Matters

Owning rental property in the New York, New Jersey, and Connecticut area offers incredible opportunities. Whether you’re renting out a brownstone in Brooklyn, a multi-family home in Hoboken, or a shoreline condo in Stamford, protecting your investment is essential. That’s…

  • Libbie Cedeno
  • June 17, 2025
  • Insurance Tips, The Landlord Guide

Becoming a Landlord in the Tri-State Area: A Guide to Building and Protecting Your Legacy

Real estate investment is a journey that starts with a single property and a clear purpose. For landlords in the Tri-State area, that purpose often includes building generational wealth, providing quality housing, and creating financial freedom. Whether you’re preparing to…

  • Libbie Cedeno
  • June 4, 2025
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  • Address: 8 Depot Square, Tuckahoe, New York, 10707
  • Email: help@refinerisk.com

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Refine Risk is a boutique insurance agency helping clients protect residential, commercial, and mixed use properties across the Tri-State Area.

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