Homeowners Insurance

Affordable Long Island Homeowners Insurance Is Our Specialty

Fast & Easy Quotes from AM Best Rated Carriers

Let us guide you in insuring your home and family, as if they were ours. Our licensed agents at Brooks Robb & Callahan are here to help you customize a policy that best aligns with your insurance needs.

Our main objective is to help you sleep better at night knowing your assets are protected properly in the event of a loss. With over 100 years of insuring homes on Long Island and across New York State, we have the experience you can trust.

Our partnerships with top-rated insurance companies allow us to offer competitive homeowners quotes, whether you are purchasing insurance for a new home or switching from your current homeowner’s policy. 

Homeowners Insurance Coverage

Please speak with your insurance agent regarding your individual policy limits and coverage.

Coverage A - Dwelling 

Dwelling coverage covers the physical structure of your home and permanent attachments/fixtures.

Coverage B - Other Structures

Other Structures provides protection for various unattached structures, including a detached garage, tool shed, fence, pool, etc.

This coverage is usually 10% of the policy limit for Coverage A.

Coverage C - Personal Property

Personal Property protects personal belongings, including standard electronics, furniture, clothing, etc.

This coverage is usually 50%-70% of the policy limit for Coverage A.

You have the option to insure these items on a Replacement Cost basis or an Actual Cash Value basis - Actual Cash Value takes depreciation into consideration.

Depending on your policy, you may have coverage for theft away from home ('Off Premises Theft').

There are limitations on theft for jewelry, fine arts, furs, silverware, etc. - we can help you schedule these items for full protection.

Coverage D - Extra Living Expenses

Loss of Use covers the living expenses you incur while being displaced from your home due to a covered loss (ex. fire, pipe burst, etc.).  These expenses include hotel rooms, food bills, warehouse storage, etc.

This coverage is usually 20% of the policy limit for Coverage A.

Coverage E - Personal Liability

Personal Liability protects you against a 3rd party lawsuit or claim resulting from property damage or bodily injury caused to others by your negligence.

Examples: your dog bites someone, your child breaks a window or someone is injured falling on your property.

**We strongly recommend discussing umbrella coverage with your insurance agent.  Umbrella coverage is an additional layer of liability that would extend over your home(s), auto(s), boat(s), etc. owned in your personal name.

Coverage F - Medical Payments to Others

Regardless of fault, Medical Expense coverage pays if someone is injured on your property.

Homeowners Coverage Forms

  • HO-1: Basic Form - Named Perils
  • HO-2: Broad Form - Named Perils
  • HO-3: Special Form - All Risk
  • HO-4: Tenant Form
  • HO-5: Comprehensive Form
  • HO-6: Condo & Co-Op Form
  • HO-7: Mobile Home Form
  • HO-8: Modified Homeowners Form

To learn about the different homeowners forms offered by our carriers, read our article: 'Differences Between Homeowners Forms'.


Depending on the insurance carrier, there are several discounts available for homeowners:

  • Multi-Policy Discount
  • Claims Free Discount
  • Security Discount
  • Generator Discount
  • Central Station Alarm System Discount - Fire & Burglary
  • Home Improvement Discount(s) - Roof, Electric, Heat, Pluming
  • New Home Discount
  • First Time Home Buyer Discount
  • Mature Homeowner Discount
  • Auto Pay Discount
  • Paid In Full Discount
  • And more...