Kelly Qu Agency: Allstate Insurance

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Kelly Qu Agency: Allstate Insurance Our mission is to provide the best insurance and financial services products and services by focusing

As a child of an immigrant and a native New Yorker, I know how fast paced, crazy and expensive life can get in New York. I witnessed first-hand how my parents worked around the clock to build a better life for our family in New York only to almost lose it all to unexpected mayhem in life. That's why I majored in actuarial science and became an insurance agent right out of college, because from the bottom of my heart, I want to help my fellow New Yorkers to protect their assets and prepare for the unexpected so you can focus on everything else New York has to offer!

09/30/2026

Settle the debate: is the sidewalk out front your problem or the landlord's? ⚖️

This one splits the room every time — and your commercial lease already answered it, in a paragraph most tenants have never read alongside their liability limits.

Worth knowing either way: a business owner's policy bundles general liability, commercial property, and business interruption. It does not include workers' comp — New York requires that from your first employee, part-time counted — and it does not include commercial auto, professional liability, or cyber.

Salons in Astoria, restaurants in Flushing, showrooms on W 38th: if you signed a lease and bought "business insurance," check whether you got three pieces or seven.

Comment ⚖️ with your answer, then tag your business partner 👇

https://kellyqu.com/business-insurance

Call (718) 865-8458 · 252 W 38th St, Rm 1503, NYC

09/27/2026

Settle the debate: you live upstairs in an Astoria two-family and rent the downstairs. HO-3 or DP-3? ⚖️

Half of Queens says one, half says the other, and both forms get written on the same block.

The tiebreaker isn't the building — it's who actually lives in it. Owner-occupied usually lands on HO-3, with the rental income disclosed and fair-rental-value coverage added. Nobody living there points to DP-3, where loss-of-rents is built into the form. Move into the second unit, or move out of it, and the right form has to move with you.

Plenty of Flushing and Forest Hills owners are still insured for the version of their life from five years ago.

Comment your answer before you scroll, then tag the landlord in your group chat 👇

https://kellyqu.com/blog/two-three-family-insurance-queens-ho3-vs-dp3

Call (718) 865-8458 · 252 W 38th St, Rm 1503, NYC

09/23/2026

Settle a debate for us, Freeport and Massapequa 👇

Your finished basement takes on water in a storm. You carry flood insurance through the federal program. How much of that finished basement does NFIP actually pay for?

Almost everyone guesses high. The federal program covers structural elements and core mechanicals below grade — but finished space, flooring, drywall, and the belongings you keep down there are largely excluded. It also contributes nothing toward a rental while you're out of the house.

Which is exactly where bay water goes first, from Island Park and Lindenhurst to Babylon and the whole strip south of Sunrise Highway.

Comment your guess before you read the breakdown 👇

https://kellyqu.com/blog/long-island-south-shore-flood-insurance-2026

Call (718) 865-8458 · 252 W 38th St, Rm 1503, NYC

09/16/2026

Settle the debate: your car sleeps in Scarsdale, works in Manhattan. Which address rates it? 🚗

Most commuters get this one wrong.

New York auto policies rate on where the car is garaged overnight — not where you drive it. A car that sleeps in a Westchester County, NY driveway and rides Metro-North five days a week is a different risk than a car parked on a Manhattan street. If your policy still carries a city address from before the move, it's being rated on the wrong story.

Same trap on the house: your dwelling limit should be a rebuild number, not a Zillow number. Completely different math.

White Plains, Yonkers, Scarsdale, New Rochelle, Rye — comment where your car actually sleeps at night 👇

https://kellyqu.com/blog/westchester-homeowners-insurance-2026-ordinance-service-line

Call (718) 865-8458 · 252 W 38th St, Rm 1503, NYC

Long days on the trails deserve reliable protection. Plus, bundling could keep more in your pocket. Reach out to my agen...
09/14/2026

Long days on the trails deserve reliable protection. Plus, bundling could keep more in your pocket. Reach out to my agency at (718) 865-8458 to get started.

09/13/2026

Pop quiz, South Shore homeowners: what does federal flood insurance NOT pay for? 🌊

A) Your finished basement
B) A hotel while the house is being repaired
C) Anything above the federal cap on a bayfront rebuild
D) All of the above

It's D — and most owners in Freeport, Massapequa, Lindenhurst, and Babylon find that out after the water, not before. NFIP caps structure coverage at a federal limit that hasn't moved in decades, largely excludes finished below-grade space, and contributes nothing toward living expenses while you're out of the house.

Bonus round: parts of Fire Island sit inside a federal CBRS zone where NFIP is legally prohibited from writing at all. Not expensive — prohibited.

Comment your letter before you scroll 👇

https://kellyqu.com/blog/long-island-south-shore-flood-insurance-2026

Call (718) 865-8458 · 252 W 38th St, Rm 1503, NYC

09/09/2026

Quick quiz for NYC co-op and condo owners: who insures the walls? 🏢

Your building's master policy, or your HO-6? Most people guess confidently — and the honest answer is that it's different in almost every building.

在法拉盛、艾姆赫斯特、日落公园和曼哈顿华埠,我们用普通话把这件事讲清楚:先读您大楼的 master policy,看它到底保到哪一层——是保到墙内,还是只保到毛坯——然后再决定您的 HO-6 该买多少 walls-in 保障。顺序反了,您要么买多了,要么在最需要的时候才发现买少了。

同一位经纪人从报价、续保跟到理赔,全程普通话。不用让孩子在电话里帮您翻译保险条款。

您猜是 master policy 还是 HO-6?写在评论区 👇 然后 tag 一位刚买公寓的朋友。

https://kellyqu.com/chinese

Call (718) 865-8458 · 252 W 38th St, Rm 1503, NYC

#纽约保险

Labor Day is here! A time to relax and appreciate the hard work that keeps our communities thriving. What’s your favorit...
09/07/2026

Labor Day is here! A time to relax and appreciate the hard work that keeps our communities thriving. What’s your favorite way to spend the long weekend?

09/06/2026

Settle the debate: does your landlord's insurance cover what's INSIDE your shop? 💈

One business partner says the landlord's policy covers everything. The other says you need your own. Who's right?

The second one. The landlord insures the building — not your chairs, your inventory, your equipment, or the income you'd lose if you had to close for repairs. That's what a Business Owners Policy (BOP) bundles: general liability + your business property + business interruption, in one policy built for shops, salons, and restaurants. Garment District storefront, Flushing restaurant, Astoria salon — same story every time.

Tag your business partner and settle it in the comments. 👇

Call (718) 865-8458 · 252 W 38th St, Rm 1503, NYC

Getting protected as a renter is easier than you think. Contact me at (718) 865-8458 to get covered today.
09/04/2026

Getting protected as a renter is easier than you think. Contact me at (718) 865-8458 to get covered today.

07/27/2026

They doubted the vision. But you know home improvements are expensive.

The upgrades that don’t usually make the feeds are the ones that keep your family safe and comfortable. 🤲

05/27/2026

Not me getting emotional over a home upgrade.

The upgrades that don’t usually make the feeds are the ones that keep your family safe and comfortable. 🤲

05/26/2026

Thermostat set. Vibes set. We’re good over here.

The upgrades that don’t usually make the feeds are the ones that keep your family safe and comfortable. 🤲

05/22/2026

They said magic wasn't real. Then it stopped leaking.

The upgrades that don’t usually make the feeds are the ones that keep your family safe and comfortable. 🤲

05/21/2026

The pricey upgrade spoke and we listened.

The upgrades that don’t usually make the feeds are the ones that keep your family safe and comfortable. 🤲

In an inside sales role, you'll use your expertise to find affordable solutions that help people protect what matters mo...
12/10/2025

In an inside sales role, you'll use your expertise to find affordable solutions that help people protect what matters most in their lives. Sound like something you're interested in?

Take control of your career journey and apply today: http://spr.ly/6008C64f6

12/03/2025

From free therapy sessions to personalized financial services and virtual fitness classes, Allstate takes employee wellbeing seriously. We even have an entire group of Wellbeing Champions committed to growing our culture of wellness by sharing valuable updates, helping employees locate resources and checking in on their fellow Allstaters.

See how Allstate supports you at work and beyond. Check out our wellbeing benefits:
http://spr.ly/600872ZHy

When employees have the resources to challenge themselves, they don't just grow — they drive change and make a differenc...
11/12/2025

When employees have the resources to challenge themselves, they don't just grow — they drive change and make a difference. Our intrapreneurs group is a community of dreamers and doers that spark innovation across the company, and the entire insurance industry, by encouraging their fellow Allstaters to think creatively to solve the real problems facing us and our customers.

Want to drive lasting change at work and in the world? Join a team that's not afraid to think outside the box. http://spr.ly/60027n8Ow

This is what community looks like. We're proud of the Allstaters in Dallas-Fort Worth for showing up in a major way for ...
11/04/2025

This is what community looks like. We're proud of the Allstaters in Dallas-Fort Worth for showing up in a major way for Genesis Women's Shelter & Support. They packed hundreds of toiletry bags and hosted a food drive to help support women in need on their healing journey.

Our employees' passions become ours. This is why each Allstate employee gets PTO to volunteer their time to causes they care about.

Discover how we help our people thrive while making an impact. http://spr.ly/60097KcF7

Address

252 W 38th Street, Rm 1503
New York, NY
10018

Opening Hours

Monday 8:30am - 7pm
Tuesday 8:30am - 7pm
Wednesday 8:30am - 7pm
Thursday 8:30am - 7pm
Friday 9am - 5pm

Telephone

+17188658458

Website

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