News
New Flood Insurance Rules 2018 – What It Means for You
FEMA has announced changes to the National Flood Insurance Program that can provide some welcomed relief for New York residents and flood insurance buyers elsewhere. The changes are effective October 1st, 2018 and offer a handful of new provisions, the most...
5 Home Insurance Endorsements & Coverages You Absolutely Need
5 Home Insurance Endorsements & Coverages You Absolutely Need Replacement cost coverage on contents Replacement cost for dwelling Personal Injury liability coverage Off-premises theft exclusion endorsement Coverage C: Increased Special Limits of Liability...
Does Home Insurance Cover Wine?
“In vino veritas.” ~ In wine, there is truth. Often, there’s a fair amount of money invested in wine as well. Wine ownership can range from a couple of half-empty bottles you’ve been meaning to replenish for months to extensive collections of rare vintages that may...
How Much Home Insurance Do I Need?
When you’re shopping for home insurance, you probably have many questions. And it’s perfectly natural if one of those questions is: “How much home insurance do I need?” After all, home insurance can be costly – especially here on Long Island. You don’t want to pay...
Does Home Insurance Cover Termites, Rodents, Raccoons, or Squirrels?
Uninvited house guests can be a tricky situation no matter which species they belong to – but if the houseguests are insects or animals, the coverage on your home insurance policy can be tricky as well. Termites and other wood boring insects might think your...
Does Home Insurance Cover Paintings, Artwork, and Sculptures?
Home Insurance & Artwork, Paintings Your home insurance doesn’t just cover the cost of rebuilding your home. There’s also ample coverage for your personal belongings if your policy is structured well. However, coverage for certain types of items may be subject...
Is My Pool Covered by Home Insurance?
Is a Pool Covered by Homeowners Insurance? What You Need to Know A backyard swimming pool is a dream for many homeowners—offering relaxation, entertainment, and a perfect way to beat the summer heat. But with that dream comes responsibility, especially when it...
What Isn’t Covered by My Home Insurance?
Understanding what home insurance does not cover can help you protect yourself, your loved ones, and your assets By Dawn Allcot Most people think of home insurance as their protection should they lose everything in a house fire. You probably also know it can...
Does My Home Insurance Cover Outbuildings?
Does my home insurance cover outbuildings such as the garage and shed? This is a commonly asked question. Having outbuildings such as garages, fences, sheds and decks on your property does not automatically mean that you want to insure these items against...