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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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Home Insurance Quotes Woodmere NY
Coastal Insurance Solutions is an authority in Woodmere, New York on insurance for home owners and wants to help your family get a very competitive rate. Since Coastal Insurance Solutions works with over thirty companies that deal in insurance, we have a great deal of experience and can give you solid recommendations that are based off our claims experience with them as well as pricing and ratings. We have great data searching tools that allow us to give you the best prices and rates on the market and help you keep your home protected and well insured so that your family has peace of mind. We can also send you up to 10 proposals absolutely free to inform you further.
Fill out our information form to find out more about CIS or just give us a call and speak to one of our friendly and knowledgeable licensed staff members!
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 Woodmere NY
Woodmere is one of the Long Island communities known as the Five Towns, which is usually said to comprise the villages of Lawrenceand Cedarhurst, the hamlets of Woodmere and Inwood, and “The Hewletts”, which consist of the villages of Hewlett Bay Park, Hewlett Harbor and Hewlett Neck and the hamlet of Hewlett, along with Woodsburgh. The “towns” most commonly included as constituents of the Five Towns are all within the Town of Hempstead.
Part of the community is in the Hewlett-Woodmere School District (District 14), with the rest served by the Lawrence Public Schools(District 15).
The Hebrew Academy of Long Beach (HALB) High School, known as the Davis Renov Stahler Yeshiva High School for Boys, is an all-boysJewish day school located in Woodmere.
Lawrence Woodmere Academy is a pre-kindergarten through grade 12 coeducational preparatory school.
The Woodmere Volunteer Fire Department has served Woodmere since 1889. It provides Fire, Rescue, and Advanced Life Support to Woodmere. It has approximately 75 volunteer members. The Fire Department has 2 ambulances, 3 fire engines, a rescue truck, a ladder truck and 3 water rescue boats. The Fire department chiefs are: Chief of Department Leonard J. Cherson, First Deputy Chief Benjamin J. Nelson & Second Deputy Chief Mike Weiss.
Woodmere has a wet and cold winter, with a warm and moderately dry summer. The average high is 83 in July and 39 in January. The average low in January is 24 and in July 67. The record high is 104 in July 1966, and the record low is −2 in 1985 and 1994.The rainest month is May, and the driest is August. Woodmere is prone to droughts from late July until mid- September. Woodmere receives around 22 inches of snow a year in a normal winter. Woodmere can get strong to severe thunderstorms, and is prone to flooding in the early fall and late spring. It has been hit by tornadoes twice, in 1985, and 1998.
Woodmere was hit by Hurricane Gloria in 1985, Tropical Storm Irene in 2011 and Post-Tropical Cyclone Sandy in 2012.