Insurance · Home Insurance
Home Insurance
Your house is probably the biggest thing you own. A good homeowners policy rebuilds it after a fire or storm, replaces what is inside, and protects you if someone is hurt on the property. We review your rebuild cost, your coastal exposure and your deductibles so there are no surprises when you need the policy.
What it can cover
- Dwelling and other structures
- Personal property and replacement cost
- Personal liability and medical payments
- Loss of use and additional living expenses
- Water backup, service line and equipment breakdown
- Scheduled jewelry, art and collectibles
- Condo, co-op and renters policies
- Landlord and seasonal home coverage
Quoted with Progressive, Travelers, Safeco, Liberty Mutual and other carriers as they fit.
South Shore homeowners have specific questions about wind deductibles and flood. We walk through both. Flood is a separate policy, and we can write it through the National Flood Insurance Program or a private flood carrier.
Bundling your home and auto with the same carrier is the single biggest discount available to most families, often 15 to 30 percent off. Ask us for a bundled quote and compare it with what you pay today.
Common questions
Does homeowners insurance cover flooding?
No. Flood is always a separate policy. If you are in a flood zone your mortgage company requires it; if you are not, it is still worth pricing because the premium is usually low.
What is a hurricane or wind deductible?
Most Long Island policies carry a separate percentage deductible (often 2 to 5 percent of the dwelling limit) that applies when a named storm hits. We will show you the exact trigger and dollar amount before you buy.
Do I need renters insurance?
If you rent, yes. It covers your belongings and your liability for a few hundred dollars a year, and most landlords now require it.
Also from East Neck
Auto Insurance
Cars, trucks and SUVs, with the New York coverages you need and the discounts you deserve.
Business Insurance
Commercial coverage for contractors, restaurants, retail shops, offices and the vehicles they run.
Specialty Insurance
Boats, motorcycles, umbrellas, life and the other things a standard policy leaves out.
Get a home insurance quote
Tell us what you need to insure and we will quote it with more than one carrier. No obligation, and most quotes come back the same business day.