Did you know that in most States, such as New York, an insurance broker is generally not liable for their failure to advise you on what coverage you should obtain? Let this be your resource guide to advocate for your own best interest in obtaining coverage.
Just because the term of the lease is over does not mean that the landlord automatically gets their seasonal rental property back. In many States, the tenant must surrender possession of the property prior to the landlord retaking possession.
Condos don't work in sag harbor. That's why I was very surprised to see one going up on a recent visit. To be an apartment building in prime sag harbor sounds good in theory, but I haven't seen it work yet.