If you own residential property in Brooklyn, Monroe NY, Newburgh, Spring Valley NY or Westchester you need the right homeowner’s insurance. You get basic policies and they cover you for the basic things such as liabilities, fire and theft. But home insurance should cover you for more than the basics. A basic policy will have gaps and limitations and you don’t want to find out at claims time exactly what those are. Better to find out now and do something about it. Benjamin Hirsch Insurance can help you with that.
Home insurance will cover your physical home and contents. Homeowners insurance should also cover other structures and building on your property. These could include a swimming pool, outbuildings, landscaping, fencing, security systems and so on. Does your homeowner’s insurance cover these things?
Home insurance polices have exclusions and limitations. Your homeowner’s policy will cover specified risks and events but will also exclude others. Are you aware of the inclusions and exclusions of your home insurance? For example, are covered for damages caused by events such as
- Civil unrest
- Storm surges
- Flash floods
- Sink holes
Content is another area where limitations come into play. Limitations of coverage often include high-end valuables and computer systems and files. There may be serious gaps in your homeowner’s insurance and you need to know what they are. Will your insurance pay out if flood waters damage your property and valuable? Will your insurance pay for the replacement value of such items?
There is nothing straightforward about home insurance. That is why it is a good idea to get professional advice and help. Benjamin Hirsch Insurance can help you with reliable and affordable homeowners insurance in Brooklyn, Monroe NY, Newburgh, Spring Valley NY or Westchester.