How we can help
What Does Home Insurance Cover?
Standard policies typically include:
- Dwelling Protection – Covers your home’s structure from events like fire, wind, hail, or vandalism
- Other Structures – Covers garages, fences, sheds, and more
- Personal Property – Protection for your belongings (furniture, electronics, clothing, etc.)
- Liability Coverage – In case someone is injured on your property or you cause accidental damage
- Loss of Use – Helps pay for housing and living expenses if you can’t live in your home due to a covered claim
We'll help you understand the options—and what's worth adding based on your lifestyle and property.
Is your home protected
Do I Need Homeowners Insurance in New York?
Yes—if you have a mortgage, your lender likely requires it. But even without a loan, homeowners insurance is essential for protecting your investment and your financial future. We’ll help you prepare for what’s possible—not just what’s expected.
You’ll get:
- Quotes from multiple top-rated carriers
- Bundle discounts when combining auto or umbrella coverage
- Honest, local guidance tailored to your property
- Fast certificate or policy documentation when you need it
As a family-run agency, we take time to get to know you—and we’ll be here when you need to file a claim, add coverage, or ask a question.
Add-On Coverages That Fill the Gaps
Extra Protection Worth Considering
Not every risk is covered by a basic homeowners policy—and many of the most common claims fall into the “not included” category. We’ll help you decide what makes sense for your property, location, and lifestyle.