Homeowners Insurance in New York State That Covers What Matters
Coverage for the Place You Call Home
Why Home Insurance Matters in New York
Your home is more than just four walls-it's where your life happens. Whether you own a single-family house or a lakeview property, we help you get coverage that protects your investment, your belongings, and your peace of mind. Our goal is to make home insurance simple, local, and reliable.
Three Ways We Help
Tailored Homeowners Coverage That Works for You
1. Coverage Built Around Your Property
We'll help you choose protection that fits your home's age, size, and value-including the roof, structure, and attached garages. We also account for regional risks like snow damage or spring flooding.
2. Protection for What's Inside
Furniture, appliances, electronics, tools, and valuables-your belongings are covered if they're damaged, stolen, or destroyed. We'll help you decide between replacement cost and actual cash value policies.
3. Liability Coverage for Everyday Risks
If someone slips on your icy steps or your dog bites a delivery driver, personal liability coverage helps cover medical and legal expenses so you're not paying out of pocket.
What's Typically Covered
- Dwelling structure & attached features
- Personal property inside the home
- Additional living expenses (hotel stays after damage)
- Personal liability for injuries to others
- Medical payments to guests
- Weather events like wind, snow, and fire
- Theft or vandalism
Common Add-Ons & Options
- Flood Insurance - Often required if you're near a lake or designated floodplain
- Jewelry & Valuable Items Coverage - Extra protection for high-value items beyond basic limits
- Equipment Breakdown - Covers damage to HVAC systems, water heaters & appliances
- Service Line Protection - Covers water, sewer, or utility lines on your property
Who Needs This Coverage?
If you own a home-whether it's your primary residence, a vacation home, or a rental-it's essential to have a policy in place. Even if your mortgage is paid off, homeowners insurance protects you from the unexpected.
Local Risks to Consider
- Ice dams and roof collapse in winter
- Basement flooding from spring storms
- Fire damage during dry summer months
- Falling trees from strong winds
We've seen these things happen all over New York-and we know how to help you prepare.
FAQs
Is homeowners insurance required in New York?
It's not required by law, but most lenders will require it if you have a mortgage. Even without a loan, it's a smart way to protect your home and finances.
How much coverage do I need?
It depends on the value of your home and belongings. We'll help you calculate an appropriate coverage amount based on current rebuild costs-not just market value.
Does it cover floods or earthquakes?
Standard policies don't include flood or earthquake damage. We can help you add flood coverage, especially if you live near Lake Mahopac or a known floodplain.
Can I get a discount by bundling with auto?
Absolutely. Many clients save by bundling their home & auto insurance. We'll compare carriers and help you find the best value.
What's not covered?
Every policy is different, but most don't cover routine wear and tear, maintenance issues, or intentional damage. We'll explain exactly what's included and what's not.
Ready to Protect Your Home?
Let's find the right homeowners insurance for your property, your lifestyle, and your budget. Call us, stop by the office, or start a quote online-we'll take it from there.