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Homeowner's Insurance

House Insurance by Gates Cole InsuranceFirst Time Buyers - Long Time Owners - Condo Owners - Renters

Your home is one of your most valuable assets. It is important to insure it properly.

With homeowners insurance in New York, we are faced with threats from earthquakes and floods, both of which are excluded under the standard homeowners NY policy. Earthquake coverage can be added to your home policy, while flood insurance cannot. Flood insurance is a federally regulated program, and coverage must be written on a separate policy.

Insurance to value is a major issue in the insurance industry today. If you do not insure your home for the proper amount, you will not receive the full value of a claim for damage. We help you determine the proper amount of insurance by completing photo inspections and replacement cost estimates.

The liability portion of the homeowners policy provides legal defense for claims or lawsuits brought because of bodily injury or property damage caused by a covered occurrence.

We also offer ideas for saving money on your homeowners insurance.

Be sure to contact our homeowners insurance NY specialist today for more information.

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