Homeowners Insurance


Understanding Homeowners Insurance Coverage for a Flooded Basement

Homeowners insurance is essential for protecting your property and belongings from several risks. However, the coverage can be tricky when it comes to a flooded basement. Understanding the specific circumstances under which homeowners insurance covers a flooded basement is crucial for homeowners. Continue reading this article to learn about the inclusion and exclusions of homeowners insurance for flooded basements. Scenarios

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9 Actionable Tips to Lower Your Home Insurance Rates

As a homeowner, you may find that your insurance rates are one of your biggest expenses. But did you know that there are ways to lower your home insurance rates? By taking some simple steps, you can potentially save hundreds of dollars each year. In this blog, we will discuss 9 actionable tips that can help you lower your home

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Why Homeowners Insurance Is Required to Sell a Home in Long Island, NY

You might be thinking about whether you need homeowners insurance when selling a home. The answer is yes, you need homeowners insurance for the home you are going to sell which will cover you until you sell it. However, the type of homeowners insurance you need will vary depending on your situation. What Is Covered by Homeowners Insurance While Selling

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All You Need to Know About a Homeowners Insurance Binder

A homeowners insurance binder is a document that you’ll get from your insurance agent that proves that you’ve bought homeowners insurance. The document essentially serves as a provisional insurance policy. As such, it contains your homeowners policy details, including the deductible and coverage limits. After you receive the official homeowners insurance policy, the binder becomes invalid. Here’s detailed information on

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Insurance for Modular Homes: What You Need to Know

If you’ve ever considered buying a modular home in New York, you may wonder if you can protect it with a standard homeowners’ insurance plan. The answer is yes since many insurance companies don’t differentiate between a modular and conventional home. Nonetheless, there may be differences in risks. Here’s what you need to know about modular or mobile home insurance

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Common Mistakes When Buying Homeowners Insurance

Are you on the hunt for homeowners insurance? If so, you may want to do a bit of prep and research beforehand to ensure you’re doing all the right things. A little consideration can mean the difference between the right, affordable coverage, and a policy that leaves you out in the cold when the worst happens. You can learn from

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2020 Update: How to Cut the Cost of Your Home Insurance

The cost of homeowners insurance is one of those unavoidable expenses that come along with owning a house. How much you pay for coverage will depend on a variety of factors such as the location and age of your home, but the average premium costs over $1,000. Although it can feel like a big expense, you know that you will

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Home Insurance-Friendly Ways to Remodel Your Property

Remodeling Your Property While Benefiting Your Insurance   Are you thinking of making renovations to your property? If so you may be aware that even minor remodels can impact your home insurance on Long Island, NY. To make home insurance-friendly upgrades to your property, take a look at the top tasks below.   New Roof A new roof may not

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Which Claims Raise Home Insurance Rates the Most?

How Certain Home Insurance Claims Impact Your Premiums   Insurance rates are based on a number of risks, but there are some factors that affect a policyholder’s insurance more than others, such as filing claims. Believe it or not, but filing claims will raise rates more than any other factor – besides poor credit. To help you understand which claims

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