Your Nearest Homeowners Insurance Agency
Your home is your castle. From locking the doors to securing the right insurance, you do what you can to protect your largest investment. As a homeowner, you may worry about the damages and repairs caused to your property by floods, storm damage, rain, theft, or fire. However, securing your home with the right homeowners insurance policy will help address these issues while protecting your property.
What Does Home Insurance Cover?
Your home insurance is designed to protect the property, provide liability coverage, and satisfy your mortgage lender. It is designed to safeguard your pocket if the unexpected happens. When a peril occurs, you can file a claim and receive help to get your home back on its feet. Basic home insurance in New York covers:
This portion of your homeowners insurance helps to pay for repairs and rebuilding expenses if your house is damaged or destroyed by a covered peril.
Your personal possessions receive protection, too. This helps to pay for items in your house (furniture, clothing, electronics, etc.) if they are damaged, stolen, or destroyed due to a covered peril.
This covers damage done to structures not attached to your house, such as a detached garage, storage shed, or fences.
This coverage will pay to defend you in court against lawsuits and helps if you are found legally responsible when someone gets injured or their property gets damaged.
Loss of Use
If your home is uninhabitable after a covered loss, your insurance will help you afford temporary housing, food, and other essential expenses.
There are additional riders you can include, which provide coverage for:
- High-value belongings
- Earthquake damage
- Flood damage
We will help you create a customized homeowners insurance policy that gives you peace of mind in the event of a disaster, accident, or unexpected event. Our friendly staff will work with you to find the homeowners insurance that will fit your needs. Contact our experts at Singh Agency to learn more about our homeowners insurance and its coverage benefits. We are eager to help you with all your insurance needs.