Home Insurance

Although home insurance isn’t mandatory in New York, smart homeowners will recognize the importance of protecting their home and valuables with this coverage. If you took out a mortgage for your home, your lender would undoubtedly require that you have home insurance to protect his investment. By working with an experienced agent from Casterlin Insurance Brokerage in Wolcott, NY, you’ll have little trouble finding the right coverage to suit your needs.

What Protection Does Home Insurance Offer?

A standard home insurance policy offers multiple options for protecting your home in New York to include dwelling, contents, liability, other structures, and loss of use coverage.

  • Dwelling insurance protects the structure of your home, along with built-in appliances. If your home is damaged by fire, lightning, blizzard, or other covered perils, this insurance will help cover the cost of repairs. Ideally, your coverage should be enough to replace your home if it’s destroyed in a disaster.
  • Other structures coverage protects structures on your property that aren’t attached to your home, like a shed, fence, or gazebo.
  • Contents insurance protects your goods like clothes, furniture, artwork, electronics, etc. With replacement cost coverage, we’ll cover the cost of replacing your belongings if they’re stolen or destroyed in a disaster.
  • Liability insurance pays for medical costs or property damage to visitors involved in an accident on your property. It also covers your legal fees if you are sued for damages.
  • Loss of use covers your expenses if you have to live elsewhere while your home is being repaired after a disaster.
Additional Coverage

Home insurance isn’t “one size fits all.” Personalizing your policy allows you to get the protection you need without paying extra for “fluff.” Depending on your circumstances, you may want an endorsement to cover pricey items, umbrella insurance for additional liability protection, or flood insurance to safeguard your property against flooding.

For quality home insurance at an affordable rate, contact Casterlin Insurance Brokerage in Wolcott, NY.

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