Home Insurance

Actual Cash Value Vs. Replacement Cost: Which One Will Pay Your Entire Claim?

A standard homeowners insurance policy provides various coverage options, including personal property coverage and dwelling coverage. It safeguards your personal property against loss or damage caused by a covered event such as fire, vandalism, and certain natural disasters. The payout typically depends on the stated coverage limits and the type of coverage. What Does Replacement


Understanding the Basics of Umbrella Insurance in NY

A standard auto or homeowners insurance policy will cover your liability risks only within certain limits. Some types of personal injury or property damage claims against you can quickly exhaust your base coverage, exposing you to a substantial financial setback. You can cover the excess liability risk with umbrella insurance in NY. Read on to