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Common Homeowners Insurance Discounts

Coastal Insurance Solutions is a leading company for finding customers home insurance in White Plains, New York. We work hard to find you great insurance options and direct you to the best choice based on our ability to search the market for great rates as well as our relationships with over 30 companies! We will even send you up to ten proposals for you to review, all completely free of charge! We compare ratings, prices, and our own experience with companies over claims to help you get the best company. Owning a home is a huge deal for families, and our priority is helping you to protect your assets.
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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.

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.

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Information about White Plains

Early in the 20th century, White Plains’ downtown area developed into a dominant suburban shopping district and featured branch stores of many famous New York-based department and specialty stores. Some of these retail locations were the first large-scale suburban stores built in the United States, and ushered in the eventual post-World War II building boom. With the construction of the parkways and expressways in the 1940s and 1960s, White Plains’ role as a destination retail location was only enhanced. With a city opening ceremony Macy’s launched a grand White Plains store on Main Street across from City Hall in 1949. As the mayor said at the time, this was a significant event in the life of White Plains. Other stores later followed such as B. Altman & Co., Rogers Peet, Saks Fifth Avenue, Alexander’s, Wallach’s and a short-lived branch of Bergdorf Goodman, which was later converted to sister chain, Neiman Marcus, in 1981. White Plains is still a huge retail destination in the area with Bloomingdale’s, Neiman Marcus, Nordstrom, Nordstrom Rack, Macy’s, Sears, Burlington Coat Factory, and over 1000 other small and mid-size stores in four malls.

During the late 1960s, the city of White Plains developed an extensive urban renewal plan for residential, commercial and mixed-use redevelopment that effectively called for the demolition of its entire central business district from the Bronx River Parkway east to Mamaroneck Avenue. By 1978, the urban renewal program centered around the construction of the Westchester County Courthouse (1974), the Westchester One office building (1975), the Galleria at White Plains mall (1978), and a number of other office towers, retail centers and smaller commercial buildings.

At the time of its construction, the Westchester One building was the largest office building between New York City and Albany, and east to Hartford.

Beginning in the 1950s, many major corporations based in New York City relocated operations to White Plains and other nearby locations. These included General Foods, PepsiCo, Hitachi USA, IBM, Nestlé, Snapple and Heineken USA. At the height of the 1980s, at least 50 Fortune 500 corporations called Westchester County and nearby Fairfield County, CT, home, but with the corporate mergers and downsizing of the 1990s many of these companies either reduced their operations in White Plains or left the area completely.

White Plains continues to attract regional and national business as well as international headquarters within it boundaries such as Nine West Group, Allegiance Financial, ITT Corporation, Nokia, Heineken USA, Alliance Bernstein, AT&T and Verizon.

White Plains is also home to the Arts Exchange Building, which serves as the headquarters of the Westchester Arts Council. Since March 1999, visual and performing artists, emerging cultural organizations and new creative businesses have studios and offices in the building. It is listed on the National Register of Historic Places.

The construction of the Galleria at White Plains mall in the 1970s ushered in a new era of downtown retail and office development, but by the early 1990s, economic development had stagnated, hampered by a deep recession and the overbuilding of the commercial real estate markets. For a time, White Plains had the dubious distinction of having one of the highest office vacancy rates in the Northeast. Consolidation within the retail industry led to the closing of many of downtown’s original department and specialty stores as well. After its bankruptcy, the B. Altman store closed in 1989 and was eventually demolished to make way for the massive upscale retail mall, The Westchester, which opened in 1995 with anchors Nordstrom and Neiman Marcus. A freestanding branch of Macy’s, one of downtown’s original retail anchor stores, was relocated two blocks away to The Galleria mall by its parent company, Federated Department Stores, replacing the location of sister retailer, Abraham & Straus when these two store divisions were merged in 1995.

In early 2002, the Saks Fifth Avenue location was also closed and demolished; it was replaced in 2004 with the large retail complex called The Source at White Plains, featuring the upscale restaurants Morton’s of Chicago, The Cheesecake Factory, and the gourmet supermarket chain Whole Foods Markets.

In 2005, construction began on a second large parcel in the downtown area. The project, known as Renaissance Square, features two residential and hotel towers, each 40 stories tall, features a luxury Ritz-Carlton hotel and more than 400 condominium units. The Ritz-Carlton Westchester is one of the tallest buildings between New York City and Boston, exceeded only by City Place in Hartford.

Beginning in 2000, the city’s permanent population experienced a growth spurt as additional apartment buildings were constructed. The city’s relatively moderate housing costs and close commuting distance to midtown Manhattan (31 minutes by express train) have also attracted a lot of people who commute to New York City for work. However, in large part because of its proximity to New York, the cost of living in White Plains, although lower than that of New York City itself, is by some measures among the highest in the world.