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Co-op Insurance

Co-Operative Title Insurance – Learn Why Its Needed

Who Needs It: Anyone who owns or is looking to purchase a cooperative unit.

What Is It: As the owner of a co-operative unit, you receive shares of stock in the corporation that owns the building you live in. As a result, a co-op insurance policy is unique. It protects against loss and legal expenses resulting from claims from a previous owner’s creditors, bankruptcy status, or issues with the co-op itself.

Why It Matters: If you own a co-operative unit, it is considered personal property and so it is exposed to a different set of risks than usual ownership. There are a couple of ways your co-op unit could be jeopardized by hidden defects or hazards, including:

  • Whenever you are buying a co-operative unit that has been the subject of foreclosure
  • Buying from an estate

Under these circumstances, the potential for title problems increase.

When Owning A Co-op Unit You’re Subjected To Unique Types Of Ownership Risks

For example, if a foreclosure was not handled properly, or if all potential heirs or beneficiaries to an estate were not identified, that could significantly affect the buyer’s ownership interest in the apartment.

The SMPR Difference: SMPR has provided co-operative leasehold owner insurance and co-operative leasehold mortgage lender insurance for decades. Our depth of experience will give you the peace of mind needed for these unique transactions.


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SMPR Title Agency is a New York Title Insurance company. Our Title Insurance Agency is composed of real estate experts who provide our clients with comprehensive property transaction services including: Property Title Insurance, Mortgage Lender Insurance, Title Searches and Documentation Preparation Services.

We serve the following States, Cities, Zip Codes and Counties:
New York State, Albany County, Saratoga County, Columbia County, Westchester County, Washington County, Fulton County, Troy, Saratoga Springs, New York City, Rochester, Greene County, Rensselaer County, Bronx, Livingston County, Ontario County, Schoharie County, Warren County, Kings County, Madison County, Orange County, Dutchess County, Montgomery County, New York, Monroe County, Orleans County, Rockland County, Albany, Queens County, Oswego County, Schenectady, Rensselaer, Richmond County, Nassau County, Otsego County, Hudson, Long Island, Jefferson County, Niagara County, Putnam County, White Plains, Buffalo, Lewis County, Oneida County, Upstate NY, Capital District, Poughkeepsie, Onondaga County, Schenectady County, Schoharie County, Tompkins County, Broome County, Delaware County, Schuyler County, Ulster County, Cattaraugus County, Erie County, Seneca County, Cayuga County, Essex County, St Lawrence County, Chautauqua County, Franklin County, Steuben County, Wayne County, Chemung County, Genesee County, Suffolk County, Wyoming County, Chenango County, Hamilton County, Sullivan County, Yates County, Clinton County, Herkimer County, Tioga County, Allegany County, Cortland County

Title Insurance - Wikipedia | Internal Revenue Code Section 1031 - Wikipedia | Title Search - Wikipedia