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Common Homeowners Insurance Discounts

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New Homes may enjoy discounts up to 14%.

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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%.

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Combined Policies: If you combine your automobile and homeowner policy with the same carrier you may obtain discounts from 5% to 15%.

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Carrier Longevity: If you maintain your coverage with the same carrier for a number of years they will usually reward you with a discount.

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Retired Homeowner: On average stays home longer and may be rewarded with a 5% discount.

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Non-smoker: Some carriers reward non-smokers a 5% discount.

Verified Google Reviews

I have been using this company for my auto insurance for years now with no complaints and only positive things to say. My rep Daniel Gorman is as professional as they come. He has always gone the extra mile to save me money on my insurance, and if needed will return my calls and emails on the weekends if I have any questions. I highly recommend this company, 5 stars across the board!

Tom Sullivan

Agent goes above and beyond to accommodate client’s budget and needs. Knowledgeable, courteous and professional; responds to queries in a timely manner. My agent, Dan Gorman, able to get me a better quote on a home insurance, great saving

Michele

I have used Allstate for my homeowners insurance for over 12 years. After buying my second home in mount sinai, my real estate broker recommended Coastal Insurance Solutions. I gave them a call and I was able to save 30% from my current home insurance package. Great rates! Staff is super helpful!

David Montalvo

We have dealt with the agent, Eric Holle, who answered all our questions and walked us through the application process for a homeowners insurance policy.  He did this with patience and personal attention.  He was  most accommodating and took care of our insurance needs in a very timely manner.  Thank you Coastal Homeowners Insurance Company.

Josephine

Prospect Heights NY Homeowners Insurance 

If you live in or near Prospect Heights, 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.

 

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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.

 

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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

 

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About Prospect Heights NY

Prospect Heights is a neighborhood in the northwest of the New York City borough of Brooklyn. The traditional boundaries are Flatbush Avenue to the west, Atlantic Avenue to the north, Eastern Parkway – beginning at Grand Army Plaza – to the south, and Washington Avenue to the east. In the northern section of Prospect Heights are the Vanderbilt Rail Yards, built over as part of the Pacific Park (formerly Atlantic Yards) project. The Barclays Center, home to the NBA’s Brooklyn Nets basketball team and the NHL’s New York Islandersice hockey team, is located in the northwestern corner of the neighborhood in Pacific Park at Flatbush and Atlantic Avenues.

Compared to other Brooklyn neighborhoods, Prospect Heights is relatively small and is notable for its cultural diversity as well as its tree-lined streets. Prospect Heights has seen rapid demographic changes over the last decade, and its shifts are exemplified by a mixture of older buildings under reconstruction, rows of classic 1890s brownstones, and newly built luxury condominiums. The neighborhood is served by the New York Police Department’s 78th Precinct.

A diverse ethnic neighborhood in the 1910s through the 1950s, combining Italian, Irish, Jewish, German, Greek and Yankee residents, Prospect Heights is currently well known for its mixed black and white culture. Every year the West Indian Day Parade, the largest annual parade in New York City, follows Eastern Parkway, beginning in Crown Heights and ending at Grand Army Plaza in Prospect Heights. During the last thirty years, the neighborhood has seen an influx of new residents, increasingly young and white, perhaps due to real estate prices slightly lower than neighboring Park Slope. A thriving commercial zone has emerged along Vanderbilt Avenue and Washington Avenue, which since 2000 has seen a surge in new bars, restaurants, and specialty shops, including New York’s first steampunk bar, boutique wine shops, a restaurant opened by Michelin-starred chef Saul Bolton, and stores emphasizing gourmet/artisanal mayonnaise and ice cream.

The area has many Italianate and Neo-Grec rowhouses, and much of the neighborhood has been designated a New York City historic district. The Prospect Heights Historic District covers an area roughly bounded by Flatbush Avenue, Sterling Place, Washington Avenue, and St. Marks Avenue, though a section of the historic district extends as far north as Pacific Street.[14] It was listed on the National Register of Historic Places in 1983. The district was designated by the cityLandmarks Preservation Commission on June 23, 2009, and approved by the New York City Council on September 17, 2009. It is the fifth largest historic district in New York City.

The Co-Cathedral of St. Joseph of the Roman Catholic Diocese of Brooklyn, built in 1912 in Spanish Colonial style, is located at 856 Pacific Street between Vanderbilt and Underhill Avenues in Prospect Heights.

 

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