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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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Plumb Beach NY Homeowners Insurance Rates
If you live in or near Plumb Beach, New York, Coastal Insurance Solutions can help you and your family find the best rate for insuring your home! We have relationships with multiple companies and know them inside and out. Using our easy market search tool, we find you the best rated and lowest priced company quotes and have lots of experience with claims for companies, all helping us to give you the single best recommendation possible. We know protecting your home is important to you and strive to give you an incredible recommendation at a great price. We’ll send you up to ten free proposals as well!
Call Coastal Insurance Solutions to learn more, or fill out the informational form to receive the best price on the market today.
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
History Of Plumb Beach
Plumb Beach (sometimes spelled “Plum”) is a beach and surrounding neighborhood along the north shore of Rockaway Inlet, in the New York City borough of Brooklyn. It is located near the neighborhoods of Sheepshead Bay and Gerritsen Beach, just off the Belt Parkway. Originally an island, Hog Creek was filled in during the late 1930s. Since 1972 it has been a part of Gateway National Recreation Area, though the parking lot and greenway that provide primary access to the shore are the responsibility of the New York City Department of Parks and Recreation and the New York City Department of Transportation. The neighborhood is part of Brooklyn Community District 15, although a section of the beach is not part of an Community District.
In May and June, horseshoe crabs climb onto the beach to mate. That beach is often subjected to heavy beach erosion, as incoming storms often blow large amounts of water up the Rockaway Inlet past the beach into Jamaica Bay. In the summer, the beach attracts kiteboarding enthusiasts, as the southerly sea breeze makes the area ideal for this use.
Sailors stopped by the island as early as the 1800s, perhaps snacking on the beach plums that gave the island its name. By 1900, there was sufficient demand for Reid’s Ferry, which made stops at Sheepshead Bay, Plumb Beach, Barren Island, and Breezy Point, among others.
George Ayen opened a hotel in 1907, but by World War I, most of the inhabitants of Plumb Island were squatters. This would continue until the 1938 Long Island Express destroyed most of the shanties, with the remaining squatters forced to leave when construction began on the Belt Parkway. Hog Creek was filled in for this purpose, connecting Plumb Island to the mainland.
New York City acquired the federal property for park purposes in 1924, but leased it to a contracting company, which parceled and rented the land. The National Park Service acquired Plumb Beach in 1972, and added it to the Gateway National Recreation Area.