Home Insurance

Affordable Long Island Homeowners Insurance Is Our Specialty

We want to protect you, your family and home the way we protect our own.  Call us today at 516-922-6500 to obtain free, non-obligatory quotes from AM Best A rated carriers.  We are here to answer any questions you may have, review your coverages and discuss your options!

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  • General liability protection
  • Protection for the physical structure of your home
  • Financial help for the cost of repairs or replacements
  • Aid paying for personal possessions located inside your home
  • Any additional living expenses needed after experiencing insured damages

Free Quotes from Top-Rated Insurance Companies

Whether you just purchased your very first house in Long Island or you have already owned several properties, your home deserves the very best. Being a homeowner can be a big responsibility, and unfortunately, a lot can go wrong. From weather damages to a break-in, you want to protect your home the best you can. We understand, and we can help you be more prepared for life’s unpredictable moments.

In many cases, a person’s home is their biggest and most valuable investment. It’s also most likely a place that you plan to live in for years to come.

In the unfortunate event that your home suffers from any damages, a homeowner’s insurance policy can help you get back on track. If you are looking for a more comprehensive insurance plan that offers additional or specific coverage, our agents at Brooks Robb & Callahan can help you find the plan that best aligns with your needs.

Our main objective is to help you sleep better at night knowing that your home is in our hands. With over 100 years of protecting homes in Long Island New York, we have the experience that you can trust. Whether you are purchasing insurance for a new home or switching from your current homeowner’s policy, learning more about our insurance solutions has never been easier. Call us today and speak to our agents, or fill out our simple online form

Take a look at some different Homeowners Insurance Coverage plans:

Homeowners Insurance Coverage (HIC) B Other Structures:

HIC provides protection for various structures (unattached), including houses and their contents, detached garages, tool sheds, etc. This type of coverage is equal to about 10% of the policy limit for Coverage A.

HIC C Personal Property:

This type of coverage protects your personal belongings, including standard electronics, furniture, but also clothing. Depending on your policy, it may include away from home theft and credit card theft. The policy limit on Coverage C is equal to half of the policy limit on Coverage A. The majority of standard home insurance policies will offer coverage for your home’s contents on a cash value basis. You can also insure your belongings on a replacement cost basis, depending on the insurer you plan on using. Limited coverage is available for other types of personal property, including jewelry, expensive antiques, money, guns, computers, and silverware. In some cases, you may have to add them as an endorsement to the policy.

Insurance Coverage D Extra Living Expenses:

If your home is so damaged that you cannot live in it, then while repairs are being made, the insurance policy will cover for all living expenses while you’re away from home. Some examples of such expenses include warehouse storage, restaurant storage, limited motel storage, etc. The limit of the policy to Coverage D equals twenty percent of the policy limit on Coverage A.

Insurance Coverage E Personal Liability:

This type of coverage is very useful since it can cover you in the event someone files a claim or even a lawsuit against you that resulted from property damage or bodily injury because of your negligence. Some examples include visitors hitting their head on something, your kid breaking someone’s window, your dog biting a guest, etc. The coverage is available to everyone living with you and its amount is determined when the policy is issued by the policy owner.

Insurance Coverage F Medical Payments to Others: No matter the person that caused the accident, this policy will pay for the medical expenses associated with it for everyone who was injured on your premises.

Types of Insurance Policies

There are practically 2 types of policies, including Named Perils and All Risks.

The All Risks policy will cover for losses caused by perils, with the exception of those that are expressly excluded in the policy. Compared to a Named Perils policy, an All Risks policy offers more protection.

On the other hand, a Named Perils policy will only cover the perils included in the policy. Some of the most common perils include physical losses, hail, windstorm, and fire.

If you have a single family home that is occupied by just 1 family owner, then the top 5 types of homeowner packages you can take advantage of include HO-8, HO-15 with HO-3, HO-3, HO-2, and HO-1.

HO-1 Basic Homeowner:

This insurance package will basically insure your property against eleven Named Perils. These perils include: breakage of glass that is part of a building, theft, malicious mischief or vandalism, smoke, vehicles, aircraft, but also civil unrest or riots, explosions, hail or windstorms, fire or other perils.

HO-2 Broad Basic Homeowner:

With this policy, you’re insured against eleven Named Perils in HO-1, including an extra seven named perils. These include: accident and sudden damage from artificially generated currents to electrical wiring, fixtures, devices, and appliances, freezing of pipes, leaking of heating systems or plumbing systems, bursting of hot water systems or steam systems, collapse of a part of a building or the entire building, collapse of a roof due to the weight of sleet, snow or ice, and falling objects.

HO-3 Special Extended Homeowner:

This type of insurance will provide you with All Risks coverage on your property and the eighteen (WHO-2) broad named perils coverage for your property’s contents.

HO-3 with HO-15 Comprehensive Homeowner (All Risks):

Thanks to this policy, you are covered for everything, unless expressly excluded by the policy. If you want to take advantage of the broadest coverage you can get, then this is the policy to consider.

HO-8 Modified Homeowner:

This policy covers home that experienced great depreciation. Architectural or historical features can have a massive impact on a property’s cost, sometimes increasing it far beyond that of the average market price. Just like HO-1, there are many restrictions with this policy, but it’s mainly designed for older properties.

Other Insurance Coverages

HO-6 Condominium Unit Homeowner:

By getting this type of insurance, you’ll get to be covered for items that the condominium association’s policy doesn’t include. Some examples are property damage to the ceiling coverings, floor, wall, personal belongings, but also all other accessories that weren’t initially installed in the unit.

HO-4 Renters Coverage:

If you get this type of coverage then you can insure your property’s personal belongings and other contents against the perils named in the HO-2 policy. You’re also covered for extra living expenses and the policy includes personal liability protection as well.

Optional Insurance Coverages

If you want, you can add extra coverage to your policy. To name some of the most common floaters or endorsements that people get, they are:

Guaranteed Contents Endorsement:

You’re covered for the cost of replacing personal items, regardless if it’s value has depreciated because you own it for a long time.

Scheduled Personal Endorsement:

Thanks to it, your personal possessions are covered, with some examples including antiques, computers, but also guns, coins, stamps, furs, jewelry, and many other times that may go beyond the limit imposed by a standard policy. Items are described, itemized, and valued on an individual basis. You’ll also find that excluded perils are specified. For this coverage, no deductible is applied.

Guaranteed Dwelling Endorsement:

You’re covered for your property’s market value, which in most cases is greater than the replacement cost.

Inflation Guard Endorsement:

This makes it possible for the insurer to simply change your policy limit automatically. It’s a very useful policy since it helps keep your coverage up to date with inflation. Your coverage is maintained at about eighty percent of replacement cost.

Blanket Endorsement:

This type of coverage can be used in place of scheduled personal endorsement. By getting it, you’re covered for items that are usually not covered by your standard policy.

Sewer and Drains Endorsement:

You’re covered for damage to your storage or finished basement if a sewer line breaks or in the event of drains.

Increased Limits on Money and Securities:

Boosts the coverage on deeds, securities, but also bank notes, money, etc.

Secondary Residence Premises Endorsement:

This type of coverage is applied to a secondary property.

Home Daycare Endorsement:

If you use your home to operate a daycare, then this policy will cover any potential liability claims.

Business Pursuits Endorsement:

Prolongs liability coverage if you want to run a small franchised venture or if you run an at-home sales business. If you’re the business owner, then the coverage is not extended.

Other Structures Endorsement:

You get coverage for more elaborate, larger structures, including guest houses, gazebos, and more that generally exceed the standard ten percent limit.

Personal Injury Endorsement:

Liability coverage is extended to the policy buyer in the event he is sued for Defamation of character, Slander, and Libel.

Home Business Endorsement:

Coverage is extended if you own and run a business in your property. You need to run a small business to be eligible for coverage.

Ordinance and Law Endorsement:

Coverage is extended for extra costs required to bring your home under current codes.

Income Property Endorsement:

Liability coverage is extended to premises or areas of your property that you rent.

Theft Coverage Protection Endorsement:

Theft protection is extended for the contents of your watercraft, trailer, and motor vehicle without having to provide proof that someone gained access to the premises by force.

Watercraft Endorsement:

This type of policy extends medical payments and personal liability on outboard motor boats and small sailboats.

Flood Insurance: If your property is located in an area that’s prone to flooding, your lender may require it. You may be able to contact the NFIP to get flood insurance coverage. This type of coverage protects you in the event your main property is damaged by water, including its foundation. Erosion damage is also covered. Structures other than buildings and structures extended over water are not covered.

Depositors Forgery and Credit Card Forgery Coverage Endorsement:

You’re covered for the unauthorized use, theft or loss of your credit cards. The policy also covers you in the event someone forges your promissory note, draft, check, etc. No deductibles apply, yet the endorsement does have certain exceptions.

Windstorm Coverage: Based on where you live, you’re covered for hail and windstorm damage if not included in your standard policy.

Earthquake Insurance Endorsement: This is coverage for catastrophic events and it generally comes with a ten percent deductible of your property’s value.

Common Discounts

New homes may receive discounts of up to fourteen percent.

Smoke detectors, security systems, simple alarm systems, deadbolt locks, etc may qualify for discounts ranging from one to five percent.

Integrated sprinkler systems and complex monitoring services can lower your premium by up to twenty percent.

Retired Homeowner: If you spend most of your time at home, you may qualify for a five percent discount.

Carrier Longevity: You may receive certain discounts if you don’t change carriers for a number of years.

Non-smoker: Non-smokers may receive a five percent discount, depending on their carrier.

Combined Policies: If your homeowner and your car insurance policy from the same insurer, you can benefit from discounts ranging from five to fifteen percent.