Benjamin Hirsch Insurance offers best value home insurance throughout Brooklyn, Monroe NY, Newburgh, Spring Valley NY and Westchester. That means you get the best coverage at the lowest possible price. You also get home insurance tailored to your needs. That means you won’t be over insured and you also won’t be underinsured.
Home insurance will cover your building and structures as well your contents and personal possession against specified risks. Understanding what those risks are is important because not all risks and events are covered. You need to be aware of any risky gaps in your homeowner’s policy. One example is natural disasters. These could include events such as floods and earthquakes. Most home insurance policies won’t cover you for flood damage. You may need separate insurance for that.
If you live in a condo, apartment or security complex then the insurance of the body corporate needs to be considered. The owners of the apartment block or complex will carry insurance that will cover the main buildings and structures. You will however still be liable for the interior of your condo or apartment. This could include floors, ceilings, interior walls, fittings and so on. You don’t want gaps between your insurance and that of the body corporate.
Home insurance will also cover your contents and valuables. However certain high-end items such as jewelry, artwork and other collections may have to separately specified or insured. You also need to be aware of any limits of the sum insured. For example, are you insured for the current replacement value of your assets.
There are many aspects to home insurance and it is a good idea to have your insurance agent check out your homeowners policy to be sure there are no risky gaps.