Having coverage knowing that owning a home comes with its own set of risks is smart. However, it can be confusing to know which option is best for you, especially when looking at all of the choices in terms of companies and then individual NY home insurance options.
Our agents want to help you by pointing you in the right direction. We can talk with you about what insurance covers you for, for instance, storms, fire and theft. We can also answer your questions regarding personal liability. Did you know that insurance for flood damage isn't necessarily something which is included in home insurance? Many people don't realize this, and they end up not having the right protection when disaster strikes.
We can talk with you about home liability coverage and protection in case a person becomes hurt while at your home. If you have kids who come over and swim in your pool, then you have to be concerned that at some point, someone could become injured.
If family frequently comes over and plays on your trampoline, or if you have a small dog that gets overly excited and could potentially bite a guest in your home, you need to look into liability insurance, which would help you to stay protected. So many things can go wrong, and it is important to be aware of this fact. You will want to have any medical costs covered, property repairs covered, and protection if a legal process is started.