A home is a place we can call ours. It’s where we prepare to take on the day and where we go to relax at night. It’s where we hold our possessions and our memories.
If you value your home, you want to know that it’s protected. Even when you can’t control outside forces and events, you can control what happens in the aftermath. A New York homeowners insurance policy helps you feel secure knowing that no matter what happens, you’ve planned for the future.
We’re here to make sure you find the most optimal, cost-effective method for New York homeowners insurance. Antalek & Moore’s licensed New York personal lines agents treat protecting your home as if it were their own. No detail is too small, and no inquiry is too minor when it comes to our clients’ needs.
There are four common coverages within a standard New York homeowners insurance package. Our job is to learn about your specific living situation and work to customize these coverages based on your home.
In its most basic form, a homeowners insurance policy covers damage to your home incurred by disaster. Your policy covers the cost of damage done by fire, hurricane, lightning, hail, and any other additional disaster specified on your policy. Earthquake, wear and tear, and flood are common exclusions on homeowners policies, so it’s important to work with an agent who can best determine your level of risk for specific disasters.
In the event of a loss, your policy covers not only the structure of your home, but the assets inside. Typically these items include furniture, electronics, clothing, sports equipment, etc.
Items of high value such as jewelry, silver, and art, are also covered but usually with a limit. An agent will help you have your high value items appraised and insured separately for full protection.
Stay prepared by scheduling home inventories every few months so you can accurately report a claim should a loss happen.
When we like our homes, we like to have friends and family over to visit. These happy occasions are made happier when you know you’re financially protected. Liability coverage protects you against lawsuits and medical expenses in the event someone is injured on your property or as a result of you, a family member, or a pet. The limits to liability coverage can vary based on your policy, and a homeowners insurance agent will help you decide which limits are most optimal for you.
Your homeowners policy covers the cost of additional living expenses if you’re unable to live in your home as a result of damage or disaster. Typically this line of coverage provides for hotel costs, food, and other expenses while your home is being rebuilt or repaired.