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Are you in the process of buying a new home or investment property and need home or flood insurance? Look no further—our insurance experts will give you the best rates in New York State in minutes. All you have to do is file our simple no- obligation form. Coastal Insurance has the rates that’ve saved New Yorkers money and time. There’s no reason to bother with other brokers when Coastal Insurance can compare and save for you.
Homeowners insurance protects your property on a risk basis. Each policy has its limits—these limits are set by the policyholder when you sign up for insurance. You can insure your home, your belongings and more as a replacement cost or actual cash value. We suggest covering your home under a replacement cost. This means that your insurance company will replace or rebuild your home without deducting a depreciation expense.
Most insurers require their customers to unsure their homes for at least 80% of the replacement cost to avoid penalties when filing a claim.
Home insurance policies are broken down into different limits—Coverage A through F. Some examples are below:
You can select between an All Risks and a Named Perils policy.
You can add optional coverages called endorsements to your plan. Some common endorsements include: Inflation Guard Endorsements, Guaranteed dwelling Endorsement, Other Structures Endorsement, Sewer and Drains Endorsements, Scheduled Personal Endorsements, Blanket Endorsements, Increased Limits on Money and Securities, Secondary Residence Premises Endorsement, Home Daycare Endorsement, Business Pursuits Endorsements, Home Business Endorsements, Personal Injury Endorsements, Ordinance and Law Endorsements, Watercraft Endorsements, Theft Coverage Protection Endorsements, Credit Card Forgery Endorsement, Earthquake Insurance Endorsement.
If you have any questions on homeowner’s insurance or want to get a quote today to see the best rates, fill out our hassle-free form or give us a call!
There are plenty of discounts available for just about everyone. We can find and get you the homeowners insurance discounts you deserve. Some of the common ones include:
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The Town of Southampton is located in southeastern Suffolk County, New York, U.S., partly on the South Fork of Long Island. As of the United States 2010 Census, the town had a total population of 56,790. The town contains a village of Southampton. Demographics
As of the census of 2000, there were 54,712 people, 21,504 households and 13,805 families residing in the town. The population density was 394.0 people per square mile. There were 35,836 housing units at an average density of 258.0 per square mile. The racial makeup of the town was 87.98% White, 6.62% Black or African American, 0.41% Native American, 0.89% Asian, 0.08% Pacific Islander, 2.28% from other races, and 1.73% from two or more races. Hispanic or Latino of any race were 8.59% of the population