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Below are simple explanations of what your homeowners policy protects you against. Call us Monday-Friday from 8:30am-4:30pm to further discuss your policy and any questions you may have at 516-922-6500. Coverage A - Dwelling - "Primary...
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Purchasing homeowners insurance before closing on your home Because of all the excitement that accompanies the purchase of new home, you can easily find yourself forgetting crucial details such as homeowners insurance. But most likely...
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People buy insurance to safeguard their families and assets. Personal umbrella insurance is a form of insurance that is intended to add additional liability coverage on top of another policy, for example homeowners and/or auto...
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Bundling insurance policies means purchasing two or more kinds of insurance products from the same company. Purchasing insurance products this way is also referred to as multi-line policy, and it has become increasingly available over...
Read MoreWhen you purchase a new home, the first thing that you ask yourself is how much homeowners insurance you will have to pay? This is a critical question particularly if you are trying to formulate a budget for your living expenses. The...
Read MoreThe cost of your homeowners insurance can differ by several hundred dollars-depending on the insurance company you use and the size of your house. Here are a number of strategies that can assist you to save money when buying homeowners...
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If you want to be protected against significant financial losses in the event your property gets flooded, then purchasing flood insurance coverage is the best way to do that. When looking for flood insurance, you should determine the...
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If you have a mortgage, you and your lien holder are fully protected by your homeowners insurance policy against financial loss in the event someone will sue you for an injury he suffered on your premises or if your property is damaged...
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Flood insurance isn’t normally covered by homeowners insurance, so in order to make sure that homeowners in specific areas are protected, the National Flood Insurance Program(NFIP) was established. Flood insurance policies are...
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The wonderful snowfall you may be currently enjoying can become very dangerous for your property, especially when it’s going to start melting. You may have a false sense of safety, thinking that your homeowners insurance policy...
Read MoreYour homeowner’s injury liability policy may cover a wide range of accidents. For instance, when someone gets injured on your property or in your home, your policy will cover the costs associated with this. So if someone were to...
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If you live in an area where floods are a common thing and you have just been recently hit by one, then you’re going to be very surprised to find out that your homeowners insurance won’t cover the damages. If you want to be...
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On top of the value of the coverage limits, size of the deductible and your home’s value, there are many factors that influence the cost of your homeowner’s insurance policy. These can include the age of the appliances you...
Read MoreHome is where you heart is, but as a homeowner you need to make sure that you have the right kind of insurance should something go wrong. In fact, if your home burns down and you don’t have the right type of insurance, then you...
Read MoreThere are many kinds of accidents which may be covered by a HIP, but the truth is that there are also exceptions. For instance, when an individual is injured on your property or in your home, then your homeowner’s insurance...
Read MoreBusiness insurance exists for the purpose of helping your company offset the cost of disastrous events that may threaten continued operations. Despite that, it seems that there are still plenty of business owners out there that...
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