Where Would You Be Without New York Property Insurance?

Almost everyone thinks of their home as their castle, and perhaps you do as well, but where would you be without all your possessions – your furniture, personal computer, the camera for family photos and the TV you watch every night? These personal property items may be insured under a homeowners’ policy, within certain policy limits. Most of us work hard to make a living, put food on the table, educate our kids and buy personal possessions, and it’s important to have New York property insurance to cover cherished belongings in the event of the unexpected.

When it comes to purchasing homeowners insurance you should take the time to decide whether you should get a named-peril or an all-risk policy. Named-peril policies cover losses from the types of events specified in the insurance policy such as lightning, fire and theft. All-risk policies provide insurance for all causes of damage or loss with the exception of listed exclusions. Typically, the more types of risks you are covered for, the higher the premiums. In addition the policy you choose, you may also need to take our flood insurance if your home is at risk of flood.

To financially protecting your personal treasures you could start by contacting a local agent about the types of New York property insurance policies available. Contact our team of agents for more information on insurance for your personal belongings.

*