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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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Mariners Harbor Insurance Rates
Coastal Insurance Solutions is well versed in house insurance for Mariners Harbor, New York. We represent over thirty companies and we can give our customers a rate that is competitive that they will love. If you are interested, we can send you free proposals (up to ten) for you to check out. We are also able to advise you on companies that will work for you based on our claims experience as well as the prices and ratings. We understand that there is a lot that is invested when it comes to becoming a homeowner and we want to help you be protected.
For more information, fill out the secure form and you will have access to a quote on the best available price. Or call us in order to speak with our informed, licensed staff and find out more.
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
Information about Mariners Harbor
The neighborhood is named for its 19th-century harvesting of oysters and other seafood products from the Kill Van Kull, which forms the neighborhood’s northern border (Elm Park and Port Ivory lie to the east and west, respectively, while Graniteville is to the south). Later developments included shipbuilding, repair and marine salvage work. Fishing activity declined due to pollution during the 20th century. The Mariners Harbor Yacht Club remains as a reminder of the community’s maritime past. Erastina was the first rail station built here in 1886 and named for Erastus Wiman, the promoter who helped the Baltimore & Ohio Railroad to enter New York via Staten Island. Vacant land nearby was used for staging Buffalo Bill’s “Wild West Show”, generating over 10,000 additional passengers from the St. George Ferry Terminal over the new rail line. Erastina became Mariners’ Harbor soon after Wiman fell from public favor due to scandal and bankruptcy. There are three other stations along the North Shore branch of the Staten Island Railway at Lake Avenue, Harbor Road, and Arlington. Passenger service on this line was discontinued on March 1, 1953. An important rail customer was Arthur Dreyer & Sons Lumber and Coal Co. near Union Avenue bridge. Remnants of the site are visible today by the coal silos. The western portion of this line was rebuilt, and is now used by freight trains traveling between New Jersey and the Howland Hook Marine Terminal in Port Ivory.
The West Shore Little League and Public School 44 also are part of the neighborhood. The former Cross Paper Plant sits on the edge of the area and now is used as rental space for other small business. In recent years a large amount of shopping has been built up in stretch of Forest Avenue from Lake Avenue to South Avenue, revitalizing the area and bringing new traffic concerns.
Mariner Harbor is home to the newest branch of the New York Public Library System. Located at 206 South Avenue, the library was opened on December 16, 2013 as the 13th branch in Staten Island, and the 88th system-wide. A single-story branch library situated on a 16,000-square foot plot, Mariner’s Harbor serves some 30,000 people.