Tag Archives: Homeowners Insurance New York

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?

  • ny homeowners insuranceYour 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.

Homeowner’s Insurance Westchester NY

Homeowner’s Insurance Coverage Westchester NY

homeowners insurance 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

  1. Damages caused by fire, explosions, vandalism, theft, damage from vehicles, smoke, windstorm, or hail.
  2. 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.
  3. Damages, losses, or injuries caused by family members (including pets), on your property or a neighbor’s property.
  4. 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