Homeowners Insurance

Homeowner's Insurance

Affordable homeowner’s insurance in New York, NY. Protect your home from fire, theft and vandalism.

Owning a Deluxe Homeowners Policy Will Provide You With the Following Coverages:
Personal Property Protection
This provides protection for covered losses to your home under the perils shown below, and any other additional perils listed in the policy (subject to policy terms and conditions).

- Water Damage from Plumbing, Steam or Water Heating Systems
- Wind & Hail
- Vandalism / Riot
- Fire
- Freezing of Plumbing
- Lightning
- Smoke
- Explosion
- Falling Objects


Theft
Theft Coverage can help protect your personal property against several types of loss due to theft (subject to policy terms and conditions).

- Theft on Premises
- Theft off Premises
- Stolen or Forged Checks
- Stolen Credit Cards / Counterfeit Money


Family Liability and Guest Medical Protection
Family Liability and Guest Medical Protection gives you protection against certain personal liability losses (subject to policy terms and conditions).

- Liability and Defense Costs
- Damage to Property & Property Damage Lawsuits
- Guest Medical Protection & Bodily Injury Lawsuits


You can also select Optional Coverages to Individualize Your Policy
You can design and improve your policy in order to suit your personal needs and the needs of your family members. For an additional premium, you can augment your protection for:

- Jewelry, watches and fur
- Theft of Silverware
- Personal computers
- Portable cellular communications systems
- Coverage for an office, school or studio at home


You May Save Money on Your Premium - Certain discounts are available that can help to decrease your premium.
New House Discount
You can get a discount if your home is brand new or if it is nine years old or less. Discounts will vary according to the age of your home.

Protective Device Discount
If you install certain protective devices, such as smoke alarms, fire extinguishers, and deadbolt locks, you may be eligible for a discount. Feel free to ask us what devices are necessary to qualify.

55 and Retired Discount
If you are 55 years of age and you are retired, you may be eligible for up to a 10% discount.