Tag Archives: homeowners insurance Dutchess County NY

NY Homeowners Insurance

What Is NY Homeowners Insurance?

Homeowners insurance provides protection against various property and liability risks faced by a homeowner. A homeowners insurance policy will protect your home against damages to the house itself, as well as the belongings inside. Homeowners coverage combines two types of coverage:

Coverage against your property being destroyed or damaged by disasters such as fire, theft, or wind.
Coverage for liability exposure such as someone being injured on your property.

What Does NY Homeowners Insurance Cover?

Many homeowners policies are based on a standard form, and all homeowners policies cover two important areas: property and liability. However, your policy may cover you for additional living expenses if your home becomes unlivable for a period of time due to a covered peril. Although, homeowners insurance usually covers damage caused by:

Fire or lightning
Hail or windstorm
Explosions
Aircraft
Vehicles
Smoke
Theft
Vandalism
Falling objects
The weight of ice, snow or sleet
Freezing of plumbing or heating

What Should I Look For In A Homeowners Insurance Agent?

A homeowners insurance agent is here to help you. Our team at Keep Insurance is able to answer all of your questions about insurance coverage, provide an evaluation of your insurance needs, and offer sufficient protection to meet those needs. As a result, we are always able to provide you with prompt and quality service in the case of any claims.

Does Homeowners Insurance Cover My Possessions?

Homeowners insurance is a package of insurance coverage. This coverage, not only includes your home but also extends to your possessions no matter where they are. The location does not matter as long as the loss is caused by a covered event or peril. However, there are limits and exclusions to personal liability. Business activities or deliberate damage or injury, for example, are not covered under your homeowner’s policy. Your homeowner’s insurance policy includes a list of specific exclusions.

Finding NY Homeowners Insurance

In conclusion, our team at Keep Insurance are experts in insurance policies and insurance coverage. We are here to answer any questions you may have regarding homeowners insurance in Westchester County, Dutchess County, Danbury CT, and Fairfield CT. Contact Keep Insurance today to find out more information. Call now 1-877-892-5337.

Homeowner’s Insurance Dutchess County NY

Where Can I Find Homeowner’s Insurance In Dutchess County NY?

Our team at Keep Insurance specialize in providing solutions for all of your insurance needs including business insurance, auto insurance, and homeowner’s insurance in Dutchess County NY. Our staff is knowledgeable and experienced in assisting with all of your insurance coverage needs.

What Does Homeowner’s Insurance Include?

Homeowner’s insurance protects more than just your house! A standard policy of homeowners insurance provides protection for your house. However, the coverage usually extends to more than the physical structure of your home. From your personal property to medical bills if a guest is injured on your property, a homeowner’s insurance policy may include coverage for:

Structure of home and attachments (garage, shed, etc)
Other structures on your property
Personal property (clothing, furniture, and appliances)
Personal liability claims (bodily injury or personal property damage)
Additional living expenses (hotel costs if your home is inhabitable)

What Type Of Insurance Do I Need?

Keep Insurance understands that life happens fast and your needs are constantly changing. In order to properly protect your home, we recommend evaluating your coverage needs on a regular basis. Our goal is to ensure you are prepared for the worst and to keep your property, assets, and valuables protected. The type of homeowner’s coverage you need depends on the:

Type of home you live in
Value of home
Value of other assets
Mortgage
Cost to rebuild

Why Is Homeowner’s Insurance Important?

Many policies of home insurance coverage include personal belongings up to a certain dollar amount. For items with a high-dollar value, we recommend personal property coverage. Jewelry, collectibles, and fine are properly protected when scheduled into your homeowner’s policy.

Finding Homeowner’s Insurance Dutchess County NY

Our team at Keep Insurance are experts in insurance coverage. We are here to answer any questions or concerns you may have regarding homeowner’s insurance in Dutchess County NY, Westchester County NY, Ulster County NY, and Fairfield CT. Contact Keep Insurance to find out more information today or schedule a visit. Call now (877) 892-KEEP.

Where Can I Find The Best NY Homeowners Insurance?

What Is Homeowners Insurance?

Homeowners insurance, also known as home insurance, is a form of property insurance that covers losses and damages to an individual’s house and its contents. Homeowners insurance also provides liability coverage against accidents on the property or in the home.

Why Get Homeowners Insurance?

There are three major reasons to buy homeowners insurance in New York:

Property coverage – covers damage or destruction to your home or personal property.
Liability coverage – If someone who isn’t covered under your policy is injured or has their property damaged or destroyed at your residence, your homeowner’s policy will cover your personal legal responsibility. This coverage also extends to cases where injury or damage happen outside of your property, such as a tree in your yard falling on the street.

Covered	Not Covered
Fire, smoke, wind, lightning, explosions	Floods, backed up sewers, pollution
Trees and falling objects	Earthquake, landslide, mudslide
Overflowing of plumbing or sprinkler	Acts of war/deliberate damage
The weight of snow, ice, or freezing rain	Damage from pets, rodents, or insects

How Is My Insurance Premium Determined?

Many factors are involved in determining your insurance premium. Different insurance companies may charge different premiums for similar coverage. However, at Keep Insurance, our goal is to provide affordable insurance to all of our clients. Some factors that may determine your premium include:

The cost to rebuild your home
The materials used to build your home
The distance between your home and resources or services, such as a fire department.
The age and condition of your home
The history of the area or neighborhood, particularly your home’s direct neighbors.
High-risk outdoor activities, such as a swimming pool or trampoline
The types of pets you have.

What Factors Can Determine The Cost Of NY Homeowners Insurance?

Your location
Property square footage
Year built
Type of construction
Roof type
Number of bedrooms, bathrooms, and stories
Garage type (if any)
Security systems, such as burglar alarms and smoke detectors
Type of heating and air-conditioning systems

Finding NY Homeowners Insurance

Our team at Keep Insurance are experts in providing insurance coverage. We are here to answer any questions you may have involving homeowners insurance, business insurance, and auto repair insurance in Westchester County NY, Dutchess County NY, and Ulster County NY. Contact Keep Insurance to get a free quote today. Call now 877-892-KEEP.

Insurance Coverage

Insurance Coverage in Westchester

Where Can I Find Insurance Coverage In Westchester?

Our team at Keep Insurance specializes in providing the best insurance coverage in Westchester. This includes car insurance, home insurance, and business insurance in Westchester County, Dutchess County, Putnam County, and Rockland County.

Auto Insurance In Westchester

There are different types of auto insurance coverage available in Westchester County, which all include their own sets of fundamental protections designed to defend against the most common dangers related to typical vehicle operation.

Liability
Liability insurance coverage can help cover the costs of repairing any damage to third-party property when you are at fault. In addition, liability insurance can even contribute to medical bill coverage for any physical injuries as a result of the accident.

Collision
Collision insurance coverage can help cover repair costs for any damage to the insured vehicle. If the vehicle is totaled, this policy component can help cover the current total value of the car.

Comprehensive
A comprehensive coverage policy can protect liability for damage caused by natural or uncontrollable events, such as falling tree branches, theft, or vandalism. This coverage can also protect owners from debris or animal collisions as well.

Home Insurance in Dutchess County

Home insurance in Dutchess County can cover the cost of rent or hotel, in the case of uninhabitable damage. Homeowners insurance is generally set for a fixed period of time. The rate of a homeowner’s premium can depend on factors relating to the likelihood of a home suffering future damages as well as other risk factors. Homeowners insurance coverage can generally cover costs related to damages caused by:

Fire
Explosions
Vandalism
Theft/lost items
Vehicles
Smoke
Natural disasters
Family members (including pets)

Business Insurance

Business insurance is crucial to a business’s long-term success. It is important to protect your company from an unexpected loss, lawsuit, or accident. It is important to make sure you have the right insurance for your needs to protect your business. The cost of business liability insurance coverage will depend on your line of business and the coverage needs. There are 3 main types of business liability insurance coverage:

Product Liability Insurance Coverage
Product liability insurance helps protect businesses that manufacture and distribute products in the event that one of their products is defective and/or causes harm to the user. This means, if there is an injury or property damage resulting from the product’s use, insurance could help protect the manufacturer from certain product liabilities and lawsuits.

General Liability Insurance Coverage
General liability insurance can help with multiple forms of liability, from property damage to physical injury; it could even help protect the holder against slander and libel charges.

Professional Liability Insurance Coverage
Professional liability insurance is also known as ‘errors and omissions insurance’ and can help to protect business owners from bankruptcy when facing malpractice or negligence lawsuits or damage payments.

Finding Insurance Coverage In Westchester County

Our team at Keep Insurance are experts in insurance coverage. We are here to answer any questions you may have involving car insurance, homeowners insurance, and business insurance in Westchester County NY, Dutchess County NY, Putnam County NY, and Rockland County NY. Contact Keep Insurance today to find out more information or get a free quote! Call 877-892-KEEP.

Homeowner’s Insurance Westchester NY

Homeowner’s Insurance Coverage Westchester NY

It is important to remember that things can happen to your home like:

⁃ A fire
⁃ Theft
⁃ A tree can fall on it during a storm
⁃ A crazy driver can drive into it

If any of those things were to occur do you know what’s a good thing to have that a fire can’t burn, a theft can steal, and nothing can damage? Homeowner’s insurance from Keep Insurance in Westchester NY.

4 Things Homeowner’s Insurance Covers

Damages caused by fire, explosions, vandalism, theft, damage from vehicles, smoke, windstorm, or hail.
Damages or losses to contents of your home, including personal belongings and appliances, during a covered disaster. Some even include “off-premises” coverage by filing a claim for a jewelry lost anywhere in the world.
Damages, losses, or injuries caused by family members (including pets), on your property or a neighbor’s property.
Cost of rent or hotel and restaurant meals, in case your house is uninhabitable due to damage. Other incidental costs are also covered if you’re unable to live in your residence for valid reasons.

Testimonials

“Been with Keep insurance for well over a decade. In addition to excellent service from the entire staff, Joe Cantarella has been able meet my special insurance needs and saved me a lot of money over the years.”

—John Moy

Contact Us

Keep insurance on your home and protect your personal assets with Keep Insurance. Fill out our Home Quote Application today and get your home the real world coverage it needs!

Keep Insurance Agency is the leading property and casualty agency in New York and Connecticut. If you have any questions pertaining to auto, boat, business liability, commercial, contractors, homeowners, motorcycle, residential and commercial, small business, umbrella, or worker’s compensation insurance, and are in the New York metropolitan area: Westchester, NY, Dutchess County, NY, Ulster County, NY, Danbury, CT, or Fairfield, CT, contact Keep Insurance Agency at: 877.892.KEEP

Restaurant Insurance in Westchester, NY

Restaurant Insurance Westchester, NY

Are you looking for restaurant insurance in Westchester NY? Keep Insurance Agency is determined to provide you with the best restaurant insurance coverage in your area. Contact Keep Insurance Agency today to get a restaurant insurance quote. You’ll find that Keep Insurance Agency customers couldn’t be happier.

Insure Your Passion

Realizing the dream of owning a restaurant in Westchester NY can quickly become a nightmare if you don’t purchase the necessary coverage. Every bistro, diner, sushi bar and gastropub is different. Determining what your largest exposures are is essential to securing your investment and livelihood. If you are a food or liquor establishment owner, Keep Insurance would like you to think about the following:

▪ Are you serving liquor?

▪ Do you host live/nightly entertainment?

▪ Do you have extensive food storage?

▪ Do you need coverage on the physical structure?

▪ Are you offering delivery service?

Restaurant insurance policies can be tailored to cover every aspect of your operations, from dance floors to coat room theft. Discuss your specific insurance needs with our dedicated and knowledgeable staff to ensure that you are covered for what matters most to you.

Contact Us

When you buy the appropriate restaurant insurance coverage from an industry leader, you can rest assured that physical and financial losses can be recuperated with the help of your insurance carrier. We here at Keep Insurance are dedicated to assisting our clients in finding the restaurant insurance coverage they are looking for at the lowest price our markets provide. With the ability to gather quotes from over 20 insurance carriers, we can ensure competitive results.

No restaurant is too big or too small for Keep Insurance Agency. We have been providing restaurant insurance to all types of dining establishments in various geographic locations for over 20 years! If you serve food, we can help you purchase various types of insurance including:

✓ Restaurant/bar liability

✓ Property insurance

✓ Workers’ compensation and disability

✓ Commercial automobile

✓ And more!

[ Contact us ]

Keep Insurance Agency is the leading property and casualty agency in New York and Connecticut. If you have any questions pertaining to auto, boat, business liability, commercial, contractors, homeowners, motorcycle, residential and commercial, small business, umbrella, or worker’s compensation insurance in the New York metropolitan area: Westchester, NY, Dutchess County, NY, Ulster County, NY, Danbury, CT, or Fairfield, CT, contact Keep Insurance Agency at: 877.892.KEEP

Business Insurance Dutchess County NY

Are you looking for business insurance in the Dutchess County NY area? Look no further than Keep Insurance! Tell us about your business. Pick your favorite policy. And start coverage when you need it.

What Our Business Insurance Covers

✓ Injuries or property damage

✓ Medical payments in the case of on the job injuries

✓ Defense costs (e.g., lawsuit, libel, and slander)

✓ Protection

Testimonials

“I have been with Keeps insurance agency for a long time and I have always gotten the best service in taking care of all my insurance needs. All of my experiences with their staff has always been positive.”

— Barbara Hammond

Contact Us

Are you ready to protect your business? Get your business insurance quote today at Keep Insurance, the premier independent insurance agency in the Dutchess County NY area. Its only a click away!

Keep Insurance Agency is the leading property and casualty agency in New York and Connecticut. If you have any questions pertaining to auto, boat, business liability, commercial, contractors, homeowners, motorcycle, residential and commercial, small business, umbrella, or worker’s compensation insurance, and are in the New York metropolitan area: Westchester, NY, Dutchess County, NY, Ulster County, NY, Danbury, CT, or Fairfield, CT, contact Keep Insurance Agency at: 877.892.KEEP

Restaurant Insurance Valhalla NY

Are you looking for expert protection for your restaurant? As experts in restaurant insurance, allow us here at Keep Insurance to protect your Valhalla NY restaurant!

GET A FREE QUOTE

Our Restaurant Insurance Policies

✓ Property insurance
✓ Crime/employee dishonesty
✓ General liability
✓ Liquor liability
✓ Employee benefit liability

5 Food Related Businesses That Can Benefit from Insurance for Restaurants

1. Bars
2. Catering companies
3. Delis
4. Pizzerias
5. Lounges

Testimonials

“We’ve been in business for over 32 years and Keep insurance has been a valuable asset to our business. Thorough; very informative; but most of all, we have many policies for business and home and they will always tell you if you already have the best deal!”

— Ron Guarino

“I would highly recommend using Keep Insurance for all of your insurance needs.”

— Jessica Beck

You run your restaurant. We’ll make sure you’re covered.

Contact us today at: 877.892.KEEP to discuss your restaurant insurance needs!

Business Insurance Policy in Danbury CT

Business Insurance

Looking for a business insurance policy in Danbury CT? Keep Insurance Agency is determined to provide you with business insurance coverage in your area. Contact Keep Insurance Agency today to get a business quote. You’ll find that Keep Insurance Agency customers couldn’t be happier:

“We’ve been in business for over 32 years and Keep insurance has been a valuable asset to our business. We work with the Stillman Sisters and they are thorough, and very informative, but most of all we have many policies for business and home and they will always tell you if you already have the best deal! But the true question becomes: ‘Who do you want on your side when you do have a claim?’”
—Ron Guarino

Each business is different, which is why we at Keep Insurance, the premier independent insurance agency in Danbury CT, take the time to understand each business’s unique needs. Contact us today and let Keep Insurance insure you with a free business quote today!

Keep Insurance Agency is the leading property and casualty agency in New York and Connecticut. If you have any questions pertaining to auto, boat, business liability, commercial, contractors, homeowners, motorcycle, residential and commercial, small business, umbrella, or worker’s compensation insurance, and are in the New York metropolitan area: Westchester, NY, Dutchess County, NY, Ulster County, NY, Danbury, CT, or Fairfield, CT, contact Keep Insurance Agency at: 877.892.KEEP

Restaurant Insurance Ulster County NY

Do you have restaurant insurance for your Ulster County NY restaurant? No? What do you do when your refrigerator units malfunction? Or a kitchen fire razes your space? You haven’t thought of that have you? Its ok because we here at Keep Insurance are here to think of it for you!

3 Reasons Restaurants Need Restaurant Insurance

✓ Theft. The restaurant business is no exception when it comes to theft. Restaurants see lots of traffic and customer turnover, both of which elevate the risk of theft, and in the event that your restaurant is broken into, having insurance will cover the loss of cash or equipment.

✓ Property damage. For example, restaurants are at much greater risk for a fire. Property damage is unquestionably a considerable financial issue. Avoid it with insurance!

✓ Business interruption. For example, a gas leak could keep a restaurant’s doors closed for a few days or even longer. Business interruptions cost owners significant revenue, and having insurance will assure that you’ll be able to pay your bills and your employees on time.

Your restaurant relies on your kitchen, employees, suppliers, and equipment in order to create a memorable dining experience for your guests, and restaurant insurance through Keep Insurance means restaurant insurance from a premier provider that will assure that all is protected; even the desserts!

Ready to add security to your menu?