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Common Homeowners Insurance Discounts

Coastal Insurance Solutions is the authority in homeowners insurance in Larchmont, New York.  Representing over 30 companies allows us to offer you the most competitive rate by checking the entire market in one quick easy step.  We will send you up to 10 FREE proposals for review and advise you which company we recommend based on price, rating and our own claims experience with that company.  We know the emotional and financial investment involved in owning a home and our dedication to protecting you and your family’s assets is our #1 priority.

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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.

Homeowner Insurance Tips Video

History Of Larchmont

Larchmont is a village located within the Town of Mamaroneck in Westchester County, New York, approximately 18 miles (29 km) northeast of Midtown Manhattan. The population of the village was 5,864 at the 2010 census.

In July 2005, CNN/Money and Money magazine ranked Larchmont 11th on its list of the 100 Best Places to Live in the United States.

The New York legislature created Mamaroneck as a town in 1788, which includes a part of the Village of Mamaroneck, The Village of Larchmont, and the unincorporated area in the Town of Mamaroneck. This three part division occurred in the 1890s to meet the growing demand for municipal services which the town could not provide.^[8] At the time, a town was defined as only being able to provide basic government functions leaving residents of Larchmont in need of adequate water supply, sewage disposal, garbage collection, and police and fire protection. In 1891 the residents of Larchmont Manor obtained a charter from the legislature in which they incorporated that section of Town into a village. In order to comply with a law requiring incorporated villages to have at least 300 inhabitants per square mile, the boundaries of the newly incorporated Larchmont village were expanded beyond the Manor’s 288 acres (1.17 km²) to include land to its north and south of the railroad, and east to Weaver Street.

After the advent of the automobile, Larchmont quickly transitioned from a resort community into one of the earliest suburbs in the United States, catering to wealthy individuals commuting to and from New York City for work on a daily basis. Many of the Victorian “cottages” and a grand hotels (such as the Bevan House and Manor Inn) remain to this day, though these have been converted to other uses such as private residences. TheLarchmont Yacht Club hosts an annual Race Week competition (2007 marked the 110th running of this event). It is adjacent to Manor Park, which was designed by Jeremiah Towle, an early summer resident of Larchmont Manor and an engineer. The Larchmont Shore Club (near the Larchmont Yacht Club) hosts an annual Swim Across America challenge, across Long Island Sound.

Larchmont and neighboring Mamaroneck and New Rochelle are noted for their significant French American populace.