XL Reinsurance America Inc. (New York): Exploring Property Insurance

XL Reinsurance America Inc. (XLRA) is a commercial property and casualty insurance company that provides comprehensive property insurance solutions to businesses of all sizes in New York.

XLRA is a subsidiary of XL Group plc, a global leader in the insurance and reinsurance industry.

XL Reinsurance America Inc.

About XL Reinsurance America Inc.:

XL Reinsurance America Inc., a subsidiary of XL Group Ltd., operates from its New York headquarters.

With over 30 years of experience in the industry, they have established themselves as a trusted provider of property insurance services.

Property Insurance Coverage:

  1. Dwelling Coverage: Protects the structure of your home against damage from perils like fire, windstorms, and theft.
  2. Personal Property Coverage: Safeguards your belongings within the property, such as furniture, electronics, and clothing.
  3. Liability Coverage: Provides protection in case someone is injured on your property.
  4. Loss of Use Coverage: Helps cover living expenses if your home becomes uninhabitable.
  5. Additional Structures Coverage: This option extends protection to structures on your property, like garages, sheds, and fences.
  6. Scheduled Personal Property Coverage: For high-value items, such as jewelry or art, you can schedule additional coverage to ensure their full protection.
  7. Water Damage Coverage: XL Reinsurance America Inc. offers options to cover damage from sources like burst pipes or sewer backups.
  8. Identity Theft Coverage: This unique feature helps cover expenses associated with identity theft recovery, such as legal fees and credit monitoring.

What are the benefits of XLRA property insurance?

XLRA property insurance offers a number of benefits, including:

XL Reinsurance America Inc

Customer Service and Support:

XL Reinsurance America Inc. prides itself on delivering top-notch customer service to its policyholders.

They have a dedicated customer support team available to assist with inquiries, claims, and policy adjustments.

Claim Process:

Filing a claim with XL Reinsurance America Inc. is a straightforward process.

The company offers a 24/7 toll-free claims hotline to ensure that customers can get assistance whenever they need it.

The claims process can also be initiated through their user-friendly website, where you can submit your claim details online.

Customization and Tailored Solutions:

One notable feature of XL Reinsurance America Inc. is its commitment to providing tailored solutions.

They understand that every homeowner’s needs are unique, and as such, they work closely with clients to customize policies.

Whether you need more coverage for a specific item, additional liability protection, or unique endorsements, they aim to meet your requirements.

Financial Strength and Stability:

XL Reinsurance America Inc. benefits from the financial stability of its parent company, XL Group Ltd.

Their robust financial standing ensures that they have the resources to fulfill their obligations to policyholders, even in times of widespread claims events.

Local Agents:

For a more personal touch, XL Reinsurance America Inc. has a network of local agents in New York who can meet with you in person to discuss your property insurance needs, answer questions, and assist you in making well-informed choices.

Online Tools and Resources:

Their website provides an array of resources, including tools for estimating coverage needs, frequently asked questions, and informative articles on property insurance.

This online presence is designed to help customers understand the intricacies of their policies and make informed decisions.


XL Reinsurance America Inc.’s property insurance offerings in New York are comprehensive, flexible, and supported by a strong commitment to customer satisfaction.

Their emphasis on customization, financial strength, and accessible customer support makes them a reliable choice for protecting your property and assets in the bustling city of New York.

XLRA property insurance FAQs

Q: What types of businesses does XLRA insure?

A: XLRA insures a wide range of businesses, including:

  • Commercial buildings
  • Manufacturing facilities
  • Retail stores
  • Office buildings
  • Apartment buildings
  • Hotels
  • Restaurants
  • And more

Q: What are the underwriting factors that XLRA considers when pricing property insurance?

A: The underwriting factors that XLRA considers when pricing property insurance include:

  • The type of business
  • The age and condition of the property
  • The location of the property
  • The claims history of the business
  • The creditworthiness of the business

Q: What is the deductible on XLRA property insurance policies?

A: The deductible on XLRA property insurance policies varies depending on the type of business and the coverage limits. However, deductibles typically range from $1,000 to $10,000.

Q: How do I file a claim with XLRA?

A: To file a claim with XLRA, you can contact your insurance agent or call XLRA’s claims hotline at 1-800-521-5050.

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