New York home owner insurance

Homeowner's Insurance 411
New York home owner insurance reimburses certain expenses if your home is damaged or destroyed, including possessions and liability claims by others. Catastrophic events occur and without notice. It pays to be prepared

Do I need New York home owner insurance?
New York home owner insurance may be required in order to qualify for a home purchase loan. But, homeowners insurance protects those things can't afford to lose. All you have worked and saved for can be vaporized in a few minutes. Basically you are purchasing peace of mind.

Knowledge is power.
Homeowners insurance protects anyone named on the policy, your spouse, residents of the home (other than renters), household employees, guests and visitors.

The property insurance section of your New York home owner insurance policy protects your dwelling, any attached and non-attached structures, personal property, loss of use of your dwelling, and liability for personal injury or property damage to another.

Conditions that may not be covered by your policy: the land underneath your home is damaged; your claim exceeds your purchased coverage amount; flood damage; losses related to operating a business in your home.

Coverages for specific losses may require separate policies such as flood insurance. The cost of homeowner's insurance will depend upon the amount of your coverage, any coverages you add to the policy, and the deductibles you choose.

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