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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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North Castle NY Home Insurance
Coastal Insurance Solutions is a great and trusted company that can advise home owners on insurance in North Castle New York. We work with an incredible amount of companies– over 30! Our experience allows us to give you the best rate for your money because we check the market in just one incredibly fast and simple step. We can send our potential customers up to ten proposals as well, all for free, and give you our expert opinion on which company would be best for you by comparing the ratings, prices, and our very own claims experience with them! We know that you as a home owner have a financial investment for your home as well as an emotional investment– your family lives there! Therefore, we aim to give you the best possible price for your money while helping you to protect your assets.
Fill out the information form to find out more or simply give us a call. We’d love to help you get insured.
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
About North Castle NY
North Castle is a town in Westchester County, New York, United States. The population was 11,841 at the 2010 census. It has no villages. According to the United States Census Bureau, the town has a total area of 26.5 square miles (69 km2), of which 24.1 square miles (62 km2) is land and 2.4 square miles (6.2 km2), or 9.06%, is water.
North Castle has three distinct geographical areas, each taking the form of a hamlet.
- Armonk – a hamlet located in the central part of the town. It is the seat of town government and the main town library.
- Banksville – a hamlet, also known as the “Eastern District of North Castle”, located in the eastern part of the town, close to Connecticut.
- North White Plains – a hamlet located in the southern part of the town. It is south of the Kensico Reservoir Dam, west of the White Plains Reservoirs, and east of the Bronx River, although the name generally refers to any portion of North Castle south of the Kensico Reservoir. The Elijah Miller House was added to the National Register of Historic Places in 1976.
As of the census of 2000, there were 10,849 people, 3,583 households, and 3,002 families residing in the town. The population density was 450.4 people per square mile (173.9/km²). There were 3,706 housing units at an average density of 153.9 per square mile (59.4/km²). The racial makeup of the town was 92.38% White, 1.76% African American, 0.03% Native American, 3.96% Asian, 0.05% Pacific Islander, 0.63% from other races, and 1.20% from two or more races. Hispanic or Latino of any race were 4.14% of the population.
There were 3,583 households out of which 44.2% had children under the age of 18 living with them, 74.6% were married couples living together, 6.9% had a female householder with no husband present, and 16.2% were non-families. 13.1% of all households were made up of individuals and 5.5% had someone living alone who was 65 years of age or older. The average household size was 2.99 and the average family size was 3.28.
In the town the population was spread out with 29.7% under the age of 18, 4.5% from 18 to 24, 26.8% from 25 to 44, 28.3% from 45 to 64, and 10.7% who were 65 years of age or older. The median age was 40 years. For every 100 females there were 97.1 males. For every 100 females age 18 and over, there were 94.7 males.
The median income for a household in the town was $117,815, and the median income for a family was $141,764. Males had a median income of $86,950 versus $49,500 for females. The per capita income for the town was $60,628. About 1.0% of families and 3.0% of the population were below the poverty line, including 1.7% of those under age 18 and 3.4% of those age 65 or over.