All homeowners do not have the same insurance needs. For this reason, you should consult with an insurance agent to evaluate your situation and find homeowners insurance with the level of coverage you need. Ginsberg Agency helps homeowners in Suffolk County, NY and Nassau County, NY with competitive homeowner’s insurance quotes.

How Homeowners Policies Work

Homeowners insurance offers financial protection in the event of a disaster and includes coverage for both the home and its contents. This type of insurance is considered a package policy, which means it provides coverage for property damage and liability for damage to property or injury caused by you or a family member.

A standard policy covers damage resulting from most types of disasters, but policies have exceptions that are not covered. These include damage from earthquakes, floods, or lack of maintenance. Maintenance issues are the responsibility of the homeowner and not covered by insurance.

Advantages of Homeowners Insurance

As with other types of insurance, the purpose of home insurance is to provide financial protection from unexpected damage to the house or your personal possessions. Because the home is the biggest investment for most families, it is important to ensure that it is protected. Coverage options vary, so it is important to read your policy and ask your agent to explain what is, and is not, covered.

Questions for Your Insurance Agent

• What will replacing your home and belongings will cost, in the event of a loss? Your agent can assess your home’s features and contents to help you make the right decision.
• What is the insurance company’s reputation for service and claims payment?
• Are any discounts available? In some cases, discounts may be offered for security and fire resistance features, as well as multiple policy discounts.
• What is the claims process?

For additional information or to request homeowners insurance quotes in Suffolk County, NY and Nassau County, NY, please contact us by telephone or complete the form on our website.