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Common Homeowners Insurance Discounts
New Homes may enjoy discounts up to 14%.
Security Systems such as deadbolt locks, simple alarm systems, and smoke detectors may reap discounts from 1-5%. Sophisticated monitoring services and integrated sprinkler systems may reduce your premiums as much as 20%.
Combined Policies: If you combine your automobile and homeowner policy with the same carrier you may obtain discounts from 5% to 15%.
Carrier Longevity: If you maintain your coverage with the same carrier for a number of years they will usually reward you with a discount.
Retired Homeowner: On average stays home longer and may be rewarded with a 5% discount.
Non-smoker: Some carriers reward non-smokers a 5% discount.
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Mount Vernon NY Home Insurance
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Homeowners Insurance Basic Coverages
Coverage A: Dwelling
Dwelling coverage covers the cost of rebuilding the house itself using like materials. This coverage also includes any permanent attachments, including central air conditioning equipment, heating and plumbing equipment, and similar attached items.
Coverage B: Other Structures
Fences, pools, gazebos, sheds, and other structures that are not attached to your home are covered by Coverage B, other structures coverage. The value of this coverage is usually set to 10% of the dwelling coverage amount but can be changed to a higher coverage amount if needed.
Coverage C: Personal Property
Personal belongings are described as personal property on your home insurance policy. This coverage would include common household items like televisions, furniture, clothing, and other common belongings. Personal property coverage is usually assigned a value of at least 50% of the dwelling coverage on a homeowners insurance policy, but this coverage amount can often be adjusted.
Many homeowners insurance policies cover personal property on an actual cash value basis. What this means is that if your personal property is lost, damaged, or destroyed in a covered claim, your insurer will pay a depreciated value based on wear and tear due to age. Some insurers provide an option for personal property coverage at replacement cost value, which covers your personal property for the full cost of replacement, typically for a slightly higher premium.
Certain types of items, such as jewelry, firearms, furs, and similar items have limited coverage on a homeowners insurance policy. These items can be added to your policy as an endorsement to insure them to their full value.
Coverage D: Additional Living Expenses
If a covered claim forces you out of your home temporarily while your home is being repaired, additional living expenses are covered by Coverage D. This can include the cost of hotels or of eating out and this coverage is designed to cover the difference between your normal living expenses and the higher temporary expenses you experience due to a claim. Typically, Coverage D is equal to 20% of the coverage amount for Coverage A, dwelling coverage.
Coverage E: Personal Liability
Coverage E, commonly known as personal liability coverage, protects you against lawsuits for bodily injury to others or damage to the property of others due to negligence. Coverage amounts typically start at $100,000, although most policies provide $300,000 of coverage or higher. Personal liability coverage on your home insurance also pays for your legal defense, which can be a sizable expense in itself.
Common risks include dog bites and slip and fall accidents, but accidental damage to the property of others is also covered.
Households with pools or children who have friends who visit your home may wish to consider a higher coverage amount. This coverage is available for all family members in the household.
Coverage F: Medical Payments
Your home insurance policy also provides coverage for small injuries to others that don’t involve a lawsuit. Accidents can happen, but many accidents are minor, only requiring basic medical attention.
All Risk vs. Named Peril
A homeowners insurance policy can be either an all-risk policy or a named peril policy, with the difference between the two being which risks to your home are covered by the policy. As its name suggests, an all-risk policy is more inclusive, providing coverage for almost all risks to your home except for specifically excluded risks.
A named peril homeowners insurance policy only provides coverage for the home that is specifically named as coverage items on your policy. Named peril policies also have specific exclusions to coverage while also excluding any risks that are not specifically named as covered perils.
Covered personal property perils may differ from those covered for the dwelling, depending on the type of policy. The five types of policies for single-family homes are HO-1, HO-2, HO-3, HO-3 with HO-15, and HO-8.
HO-1 Basic Homeowner
A basic homeowners insurance policy, sometimes called an HO-1 policy, provides coverage for fire and lightning, as well as wind and hail damage — but being a basic insurance policy, omits coverage for several other risks to homes. Due to consumer demand for broader coverage, this type of policy is not commonly available from insurers.
HO-2 Broad Basic Homeowner
An HO-2 homeowners insurance policy expands upon the coverage provided by an HO-1 policy by adding some additional perils to the coverage for the dwelling: falling objects, roof collapse due to the weight of ice or snow, building collapse, water damage due to bursting pipes or sudden leaks, frozen pipes, and damage from electrical surges.
HO-3 Special Extended Homeowner
Currently the most popular type of homeowners insurance policy, an HO-3 policy provides all-risk coverage for your dwelling while providing coverage for 18 named perils for your personal property. All of the coverages provided by an HO-2 policy apply to personal property on an HO-3 policy. Covered perils for the dwelling itself are limited only by named exclusions.
HO-3 with HO-15 Comprehensive
This type of policy does not limit coverage for personal property to named perils, instead of covering both your home and personal belongings for all perils except for those specifically excluded from your policy. Depending on the insurer, a similar type of comprehensive coverage may also be available through an HO-5 policy.
HO-8 Modified Homeowner
Coverage for historic homes is often provided through an HO-8 homeowners insurance policy, which provides limited coverage similar to an HO-1 policy but is designed to cover homes that may cost significantly more to rebuild than their market value.
Homeowner Insurance Tips Video
Information about Mount Vernon
Mount Vernon is the eighth most populous city in the state of New York. Northside Mount Vernon has a suburban look while Southside Mount Vernon has an urban feel, resembling the Bronx to the south. In fact, in 1894, the voters of Mount Vernon (and nearby Yonkers) voted, along with the voters of Kings, Richmond, and Queens counties, in a referendum on whether or not they wanted to become part of a “Greater New York City”. While the results were positive elsewhere, the returns were so negative in Mount Vernon and Yonkers that those two areas were not included in the consolidated city and remained independent.
Mount Vernon’s downtown business district is located on the city’s Southside, which features the City Hall, office buildings, and other municipal establishments.
You might think that Mount Vernon was named after the Virginia plantation where George Washington spent his final years, just as neighboring Wakefield (in the Bronx) was named after the plantation where he was born. However, the name Mt. Vernon precedes Washington. Anne Hutchinson founded the Westchester city in the 17th Century and named it for its green mount (hence the name, Mount Vernon).
The Mount Vernon Public Library, a gift to the city from philanthropist Andrew Carnegie, opened in 1904 and is now part of Westchester’s Central Library, providing educational, cultural and computer services to County residents of all ages.
During the 1960s, Mount Vernon was a divided city on the brink of a “northern style” segregation. Many blacks from the South came to the north and settled in the city of Mount Vernon for better job opportunities and educational advancements. At the same time, many White Americans from the Bronx and Manhattan looked to Mount Vernon as a new “bedroom community” due to rising crime in New York City (a “white flight” factor entailed as well). As a result, Mount Vernon became divided by the New Haven Line railroad tracks of the Metro North railroad into two parts, Northside and Southside. The population south of the tracks became predominantly African American while that north of the tracks was largely white.
At the height of this segregation in the 1970s, August Petrillo was Mayor; when he died, Thomas E. Sharpe was elected Mayor. Upon Sharpe’s death in 1984, Carmella Iaboni took office as “acting-Mayor” until Ronald Blackwood was elected; Mr. Blackwood was the first Afro-Caribbean mayor of the city (as well as of any city in New York State). In 1996, Ernest D. Davis was elected the mayor of Mount Vernon; he served in office until 2007. Clinton I. Young, Jr. became the city’s mayor on January 1, 2008. Four years later, on Sunday, January 1, 2012, Ernest D. Davis became the 21st Mayor of Mount Vernon after winning his re election from Clinton I. Young, Jr. In 2013, Mr. Davis was investigated for failure to report rental income.
Mount Vernon has in recent years undergone a transition from a city of homes and small businesses to a city of regional commerce. Between 2000 and 2006, the city of Mount Vernon’s economy grew 20.5%, making it one of the fastest growing cities in the New York metropolitan area.