Whether you recently purchased your home or you have owned it for years, it is imperative to have an adequate home insurance policy in place. While home insurance is not required in the state of New York, if you have a mortgage on your home, your lender will require you to have an active home insurance policy to protect their investment in your property. The home insurance agents at the Bryan Insurance Agency LLC, located in New Windsor, NY, can assist you.
Coverage Options for Home Insurance
A home insurance policy will cover the structure of your house as well as any outbuildings you have on your property if your home is damaged or destroyed by a fire, a natural disaster, or even an incident of vandalism.
Your home insurance will also cover all of your personal belongings, furniture, household items, appliances, and any other items you have purchased for your home if a horrible event occurs, including a break-in at your home.
Not Covered by Home Insurance
Most often, your home insurance policy will not cover your house if it is affected by an earthquake or flood. You will need to obtain additional policies to cover these types of events. You can also obtain an umbrella insurance policy that will add another layer of protection on top of the protection already provided by your home insurance policy.
To obtain the proper amount of home insurance you need and ensure your property is protected adequately, call upon the experienced and trusted home insurance agents at the Bryan Insurance Agency LLC in New Windsor, NY. Remember, it is better to be safe than sorry, and you deserve peace of mind when it comes to protecting your home.