Home, for most people, could be their largest asset. More importantly, it’s where you raise your family and create memories that last a lifetime.
We can help you protect this prized possession with home insurance that fits your priorities and your budget.
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Lost Passport
Fire Coverage
Medical Payments
Theft
Personal Possessions
Lost Passport Coverage
Risk Factors
While on vacation in Europe, you lose the tote bag that has everyone’s passports.
Solution
Your homeowners policy can help with the cost of replacing passports and other valuable papers.
Fire Coverage
Risk Factors
You act quickly and prevent a grease fire from getting out of control, but smoke damages the counters and cabinets in your kitchen.
Solution
Property coverage in your policy can help if your house is damaged by fire and/or smoke.
Medical Payments Coverage
Risk Factors
A guest at your annual Fourth of July barbecue trips on the steps between your deck and the lawn fracturing his wrist when he falls against a stone retaining wall.
Solution
Medical payments coverage can cover the medical costs if a visitor is hurt on your property, regardless of liability.
Theft Coverage
Risk Factors
You return from a family vacation to discover thieves have stolen electronic equipment from your media room.
Solution
If your possessions are stolen, damaged or destroyed in an insured loss, your coverage can help replace them, up to the policy’s stated limits.
Personal Possessions Coverage
Risk Factors
You mastered the basics of surfing during lessons in Hawaii but your wedding ring is stolen.
Solution
With personal possessions coverage, lost jewelry is covered up to your policy limits.
What is Home Insurance?
A standard home insurance policy ensures your home’s structure and belongings are protected in the event of a catastrophe, such as a fire.
In addition, home insurance policies are generally “package policies.” This means that the coverage includes damage to your property and your liability—that is, legal responsibility—for any injuries and property damage to others caused by you or your family members (including your household pets).
What are the different types of Home Insurance coverage?
A home insurance policy usually covers four incidents on the insured property: interior damage, exterior damage, loss or damage of personal assets/belongings, and injury that occurs while on the property.
Home insurance does not cover everything, no matter your policy limits. For this reason, it’s a good idea to customize your policy with additional coverages to suit your specific situation.
Some optional add-on coverage includes earthquake insurance, flood insurance, replacement cost plus, other structures insurance, personal umbrella liability insurance, and many more.
The Importance of Home Insurance
The following are reasons why you should have homeowners insurance.
Owning a home will probably be your biggest investment throughout your life. Your home will probably be your safety net for years to come. Protecting your home with insurance will give you a sense of security.
If something happens to your home’s structure and the right insurer covers it, home insurance will cover the cost of rebuilding your home.
Home insurance will cover the cost of your belongings in the event of severe damage. This is because small items add up quickly, even if you feel like you don’t own that many expensive belongings.
Although you would never intend for someone to get hurt on your property, accidents do happen. However, you can protect yourself from the unexpected with home insurance.
While purchasing home insurance, it is important you map the coverage to different needs you have. Talk to us, and we can help you select the right coverage for your needs.
Already have Home Insurance? Switching is easy
It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options
If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.
Contact us today to help you with multiple options to choose from.
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We extend coverage to individuals and businesses in Lake Success, NY and Bohemia, NY
