Home Insurance in Westchester, Putnam, Dutchess, and Surrounding Counties of NY

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 its belongings
• Scheduled Personal Property- Extends coverage limits of basic home insurance to protect expensive items such as jewelry, antiques, etc.