Home Insurance

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We cover the home insurance industry.

Homeowners insurance used to be called fire insurance, but that name doesn't give this insurance policy full credit.

A homeowner's policy covers so much more than just losses resulting from fires.

More than property coverage

1. Not Just for Fires

A homeowners policy typically covers:

Your home and detached structures
Personal belongings (even away from home)
Additional living expenses after a covered loss
Personal liability and medical payments

Renters insurance offers similar personal property and liability protection, often starting around $120 per year.

2. Coverage Types

Belongings are insured using:

Actual Cash Value (ACV): Replacement cost minus depreciation
Replacement Cost Coverage (RCC): Full replacement cost up to policy limits

Your dwelling limit should reflect the cost to rebuild, not market value.

Standard policies exclude floods, earthquakes, and certain disasters. Coverage for high-value items like jewelry or art is limited and may require a separate endorsement or floater.

What Our Customers Say:

Larry Trapani was extremely friendly and efficient. He immediately responded to my request and provided a detailed quote in a very short amount of time. Add to that he is very knowledgeable and was able to advise me on how to maximize my coverage where it was most needed while saving money on other items. I can't thank him enough!

Michael B.

Customer Since 2021

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(516) 997-9800

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Home Insurance

We cover the home insurance industry.

More than property coverage

1. Not Just for Fires

2. Coverage Types

What Our Customers Say:

Elva K.

Michael B.

Elva K.

Michael B.

Elva K.

Contact us today