Sayville Homeowners Insurance

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Coastal Insurance Solutions is the leader in homeowners insurance in Sayville, 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.  Fill out the secure information form to get the best available price or give us a call to speak with our licensed, knowledgeable staff.

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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Common Homeowners Insurance Discounts

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

About Sayville NY

The earliest known inhabitants of Sayville were the Secatogue tribe of the Algonquian peoples.

Sayville was founded by John Edwards (b. 1738) of East Hampton, New York. He built his home, the first in Sayville, in 1761, located at what is now the northwest corner of Foster Avenue and Edwards Street. The house was destroyed by fire in March 1913. Another man, John Greene, settled what is now known as West Sayville in 1767.

The community had no formal name until 1838 when residents gathered to choose a name for their post office, which had opened on March 22, 1837. Until that time, Sayville was known informally as “over south”. The townspeople held a meeting to decide on a name, and after Edwardsville and Greensville tied in a vote, one resident suggested “Seaville”. According to historical accounts, the clerk at that particular meeting did not know how to spell and had to go home and look in an old Bible he had brought from England years before. In the Bible, the word “sea” was spelled “s-a-y”, and “Sayville” became the name he sent to Washington. After the error was discovered, the community sent a letter of protest to Washington D.C.; however, the Postmaster General responded that the name should stay “Sayville”, as there were many “Seaville”s in the world but no “Sayville”s. As a result, the name stuck. Incidentally, in some very old Bibles, the town name is also spelled “S-a-v-i-l-l-e”.

Sayville became important mainly for its timber and oysters. Beginning in 1868, when the South Side Railroad arrived, the hamlet became a summer tourist destination. Over 30 hotels were built in the area, which hosts a ferry to Fire Island. Between 1880 and 1930, many grand homes and estates were built in Sayville, including Meadow Croft, the home of John Ellis Roosevelt, a cousin of Theodore Roosevelt. Meadow Croft still stands and is part of Suffolk County’s San Souci Lakes Nature Preserve.