Insurance with subletters

What neighborhood is this in?

Harlem

Also if you or anyone can recommend a solid insurer with reasonable premiums, that would be great too. I have quotes from United States Underwriting and Chubb, both of which are running at $830 and up per year. Especially since they will only insure my apt for 200k in the even of a complete wipeout, that seems very expensive. I was hoping to get covered for the entire cost of the unit including the reno costs for a fraction of that amount, which was possible when I owned a house in the 90s. Maybe it's different for co-ops?

In a co-op, you can't get insurance to pay you for the cost of the unit in case the neighbor burns it down, because it's not your unit -- the co-op owns it, and in case of total loss, the building's insurance will pay the co-op. You only own shares of the corporation, and have a tenant's lease which lets you live in the designated unit. You can get 'replacement value' renters insurance to replace the furniture, fancy appliances, fixtures, etc that you put in, which should cover your reno costs, and you can get coverage to pay for the hotel room or temporary apt to live in while you're repairing the damage.

You'll see a lot of threads about home insurance companies here. I followed Consumer Reports' good reviews and went with AMICA. Haven't had to put them to the test on a claim, though.