Home Insurance in Westchester, Putnam, Dutchess, and Surrounding Counties of NY
Protect Your Home and Belongings with Customized, Affordable Coverage
Being a homeowner in the Empire State presents its own set of unique challenges. From frozen pipes to
thunderstorms, countless risk factors can damage your home and its prized belongings. At Fitzpatrick
Insurance Center, we take the uncertainty out of owning a home by providing one-on-one solutions for your
unique coverage needs.
Secure Your Home Against the Unknown
A standard homeowners insurance will cover your home and possessions against damage caused by fire, theft,
vandalism, hail, falling objects, snow, lightning, explosion, windstorms, and other named perils.
Basic coverage options include:
Dwelling – Protects the physical structure of your home, such as roof and walls, along
with attached structures like garages, sheds, etc.
Personal Property – Covers the cost of replacing damaged belongings, like furniture and
electronics, either at their actual cash value or replacement cost
Liability Protection – Covers you in the event of accidental injury or property damage
caused by you or a family member
Guest Medical Protection – Pays medical bills incurred by a visitor/ guest who gets
injured on your property
Additional Living Expenses – Covers your rent and other temporary expenses while you seek
shelter in a hotel or lodge while your home is being rebuilt after a covered event
Besides these, you can add the following coverage options to your standard home insurance policy:
Flood Coverage – Covers damage from flooding caused by wind-driven storm surges, tidal
flooding, or excessive rainfall
Water Backup Coverage – Covers overflow or backup water damage caused by sump pumps,
drains, or sewers
Earthquake Coverage – Covers losses and damages caused by earthquakes to your home and
Scheduled Personal Property- Extends coverage limits of basic home insurance to protect
expensive items such as jewelry, antiques, etc.
We Protect What Matters Most to You!
Rest assured you’re protected against uncertainties and create treasured memories with your loved ones at
home. Having adequate homeowners insurance coverage in place can help restore your life back to normal in case
the unexpected happens. At Fitzpatrick Insurance Center, we value your investments and are committed to
protecting them at all times. Our team of knowledgeable insurance professionals is well-versed in creating
tailored policies that will ensure all-round protection for your home and its belongings.