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St. George NY Homeowners Insurance

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Common Homeowners Insurance Discounts

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New Homes may enjoy discounts up to 14%.

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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%.

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Combined Policies: If you combine your automobile and homeowner policy with the same carrier you may obtain discounts from 5% to 15%.

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Carrier Longevity: If you maintain your coverage with the same carrier for a number of years they will usually reward you with a discount.

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Retired Homeowner: On average stays home longer and may be rewarded with a 5% discount.

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Non-smoker: Some carriers reward non-smokers a 5% discount.

Verified Google Reviews

I have been using this company for my auto insurance for years now with no complaints and only positive things to say. My rep Daniel Gorman is as professional as they come. He has always gone the extra mile to save me money on my insurance, and if needed will return my calls and emails on the weekends if I have any questions. I highly recommend this company, 5 stars across the board!

Tom Sullivan

Agent goes above and beyond to accommodate client’s budget and needs. Knowledgeable, courteous and professional; responds to queries in a timely manner. My agent, Dan Gorman, able to get me a better quote on a home insurance, great saving

Michele

I have used Allstate for my homeowners insurance for over 12 years. After buying my second home in mount sinai, my real estate broker recommended Coastal Insurance Solutions. I gave them a call and I was able to save 30% from my current home insurance package. Great rates! Staff is super helpful!

David Montalvo

We have dealt with the agent, Eric Holle, who answered all our questions and walked us through the application process for a homeowners insurance policy.  He did this with patience and personal attention.  He was  most accommodating and took care of our insurance needs in a very timely manner.  Thank you Coastal Homeowners Insurance Company.

Josephine

St George NY Homeowners Insurance Rates

Coastal Insurance Solutions is a leading authority when it comes to insurance for home owners in the St. George, New York area. We give our customers a great competitive rate using our claims experience with over thirty companies and can send out up to ten free proposals for you to look over. We’ll help you and your family by advising you on the right provider for you and use our market search tools to find the best deal with the best ratings. Protect your home and assets today by using Coastal Insurance Solutions. Your security is our priority.

Fill out the information form to find out more or call Coastal Insurance Solutions today to speak with one of our licensed staff.

 

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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.

 

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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

 

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History Of St George

St. George is a neighborhood on the northeastern tip of Staten Island in New York City, where the Kill Van Kull enters Upper New York Bay. It is the most densely developed neighborhood on Staten Island, and the location of the administrative center for the borough and for the coterminousRichmond County. The Staten Island terminal of the Staten Island Ferry is located here, as well as the northern terminus of the Staten Island Railway. St. George is bordered on the south by the neighborhood of Tompkinsville and on the west by the neighborhood of New Brighton.

The Staten Island Institute of Arts & Sciences is located just two blocks west of the Staten Island Ferry Terminal, It explores the arts, natural science, and local history of the island.

In 1997 lighthouse organizations across the United States banded together to create a National Lighthouse Museum, which will tell the story of theUnited States Lighthouse Service. The museum will feature interactive exhibits and displays on the history, technology, and architecture of lighthouses, lightships and other aids to navigation, from primitive fire beacons to the Global Positioning System. The site selected is the old USLHS/US Coast Guard “super depot” at St. George, which was the major center for lighthouse supply, maintenance and experimentation for nearly 150 years. The site consists of 10 acres (40,000 m2) of waterfront property with five historic USLHS buildings, a public plaza and an 850-foot (260 m) pier.

The St. George waterfront is the location of the Postcards September 11 memorial.

In 2007, several media reports noted that artists and musicians were moving to Staten Island’s North Shore so they could be near Manhattan but afford more space to live and work in.

 

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