A Homeowners policy provides Property and Liability insurance within a single policy and it is primarily designed for an owner occupied residential dwelling. This policy provides open peril coverage for the dwelling and other structures, insuring against all risks of direct physical loss that are not specifically excluded within the policy. Personal property can be covered on a named peril basis or open peril basis. It is extremely important that dwelling and personal property are both covered for their full replacement values. Liability coverage provides protection for bodily injury and property damage to third parties resulting from the insured homeowners negligence. Many insurance carriers will provide this coverage on a worldwide basis. A Homeowner's Policy also provides Loss of Use/Additional Living Expense coverage's related to maintaining your normal standard of living in the event a covered loss renders your dwelling unlivable. A Homeowners policy typically excludes Flood and Earthquake. Both are available to be purchased either separately or through an addition to your policy.
Our Personal Lines Department is available to assist you with all of your personal insurance needs. In addition to a homeowners policy, we can also assist you with coverage for a vacation home, motorcycle, ATV, snowmobile, watercraft or recreational vehicle.
If you are interested in obtaining a premium quotation, please complete the application or call us at (212) 490-8511 for more information.