Homeowners Insurance in Central NY

Secure Your Home and Possessions and Protect Yourself from Liability

Your home is one of your largest investments. The main worry for homeowners is enough coverage to pay for damages after a major loss such as fire or windstorm. Ice and snow is also a concern, especially with the tough winters we experience here in Central NY.

Our clients also wonder about their jewelry, home computers, and furniture. How does their homeowners insurance cover these? Will they be replaced in the event of a loss? Are there limitations in homeowners insurance coverage to consider?

Finally, what if a visitor slips and falls on their property. Are they adequately covered for personal liability lawsuits?

When you call or stop into our office, we’ll start the review of your homeowners insurance by completing a thorough building replacement cost estimator. The other coverage amounts on your homeowners insurance policy are based on this Dwelling Coverage.

Then we’ll talk about your contents and any exceptional, collectible, or valuable items that may need special coverage. Jewelry insurance is a good example.

And, we’ll recommend an adequate amount of Personal Liability coverage. A Personal Umbrella Liability policy is a good way to protect yourself from catastrophic liability from both a personal lawsuit or a car accident.

By the way, many of our companies offer substantial discounts to qualified clients who combine their car and homeowners insurance policies. And, there are discounts available for our clients for safety devices and claims free histories. See below for coverage descriptions and discounts.

Homeowners Insurance Coverages

Coverage A: Dwelling
Dwelling coverage protects your house and attached structures such as garages and porches.

Coverage B: Other Structures
Covers detached structures such as garages and storage sheds.

Coverage C: Personal Property
This coverage protects your contents.

Coverage D: Loss of Use
If your home is damaged as a result of a covered loss, Loss of Use pays your extra expenses because you can’t use your home while it is being repaired. Motel and transportation costs are examples.

Coverage E: Personal Liability
If you or any household members are sued and found negligent for causing the injury of another person or damaging another’s property, liability will pay damages and defense costs.

Homeowners Discounts

• New Home Discounts
• Protective Devices