With an asset as important as your home, it's worth making sure your coverage — and your discounts — are still working for you.
Shopping for homeowners insurance quotes just got easier. With an asset as important as your home, it's important that you have the right insurance coverage to protect your investment. Rates have increased in recent years, so it's worth shopping around and saving money. Be sure to review your policy regularly to ensure you're still qualifying for all available discounts and getting the coverage you need for your home and family.
Replacement Value of Your Home
This ensures your home is rebuilt to the same standards used in the original construction. The quality of materials will be the same, and your house will be as close as possible to how it was before the loss.
Personal Liability
This covers you in a lawsuit if anyone sues you for damages, including the legal expenses of defending the lawsuit. This amount may vary according to the value of any assets you own.
Amount of Personal Property Coverage
If your personal property is damaged, the insurance company will replace it using one of two calculations: Actual Cash Value (ACV) or Replacement Cost (RC). RC ensures replacement with no deduction for depreciation; ACV deducts depreciation and pays less for your covered personal property. Discuss any expensive possessions — jewelry, collectibles, artwork — with your agent, since they may need to be itemized and insured separately at a low additional charge.
Dwelling
A standard New York homeowners policy should include enough dwelling coverage to pay for the replacement of your home if it's damaged by a covered loss.
Other Structures
Detached garages or sheds, regardless of where they sit on the property, are also covered under a standard New York home insurance policy.
Contents / Personal Property
A New York home insurance policy for a primary residence provides coverage for the contents of your household — furniture, electronics, clothing, and other personal belongings.
Loss of Use
If your New York home is damaged by a covered peril, "Loss of Use" coverage pays for alternative accommodations and living expenses while you're unable to live in your primary residence.
Personal Liability Protection
In New York, a standard homeowners policy typically provides coverage against a lawsuit where you've caused damage or bodily harm to another person or their property.
Medical Payments
Often called "Med Pay," this reimburses anyone other than you or a family member for medical bills if someone gets hurt on your property and a lawsuit isn't involved.
Special Coverages
Items like pools, fences, and outbuildings are often only covered minimally by a standard policy. Consider their value and mention them to your agent — we can help you determine what coverage is right for you.
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Instead of one carrier's quote, we compare rates across our network — so you see the best available price without doing the legwork yourself.
Every home is different. We match your policy to your actual risk and make sure you're not missing discounts you already qualify for.
20+ years serving Staten Island, Brooklyn, Manhattan, Queens, the Bronx, and Nassau — we know this market because we work in it every day.
"Carmelo DeFranco and the team at NYC Business Group have been my trusted advisors for Medicare for years. Their genuine care and guidance remind me of the support you'd get from a close family member."
"NYC Business Group has consistently provided my company with competitive insurance options. Their team is attentive and responsive whenever we have inquiries or need assistance."
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