Coverage For Your Largest Investment... YOUR HOME
Buying a home is the biggest investment most people will ever make. It makes sense to protect the investment you've made in your home with a comprehensive homeowners insurance plan. Your home is an investment that deserves the protection that only an experienced insurance professional can provide.
Understand Your Homeowners Coverage Options.
The best homeowners insurance policy is the one that meets your needs at the right price. Get a better idea of what a home insurance policy could look like for you by getting familiar with your coverage options.
Typical home insurance policies cover damage caused by:
- Fire and smoke
- Falling objects
- Lightning strikes
- Vandalism and malicious mischief
- Dwelling Guaranteed Replacement Cost
Can pay to repair or rebuild your house and other structures caused by fire, wind, hail, tornadoes, falling trees/limbs,ice dams, roof damage, and other covered perils.
- Temporary Living Expenses
If you're unable to stay at home during repairs due to a covered loss, temporary living expenses (also known as "loss of use" coverage) can pay for additional living expenses above what you'd typically pay, up to your policy's limits.
- Personal Liability
A neighbor slips and falls, breaking their wrist at your house. If the person decides to take legal action, you’ll be covered.
- Wind & Hail
A bad hail storm causes damage to your windows. This will help you get them repaired.
Your roof suffers damage when a hurricane sweeps through. This will help to cover the repair cost.
- Personal Property Replacement Cost
Your TV is stolen. You’ll be covered for the cost of a brand new one to replace it (rather than it’s depreciated value).
- Water Backup Coverage
Due to a sump pump backup, your bathroom sink overflows and causes water damage to your first floor. This coverage will help you get it taken care of.
- Jewelry and Valuable Items
Replaces your jewelry if it is lost or stolen, with no deductible.
Protection for both building and contents loss or damage.
- Identity Fraud Protection
Reimbursement coverage can cover expense reimbursements with little to no deductible depending on the carrier, for named expenses incurred to restore your identity
- Home Systems Protection
Covers costs associated with home systems and equipment breakdown including, central air, boilers, furnaces, installed sump pumps, and more.
Give us a call (914) 693-3500 today to learn how we can protect what you value most!