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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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Tompkinsville NY Home Insurance
Coastal Insurance Solutions is the number one authority when it comes to insurance for home owners in Tompkinsville, New York.We know that buying and owning a home is not only a financial investment, but an emotional one too. That’s why we work so hard to help your family find the right insurance to protect your assets. We look for insurance using a tool to search the market to help you get the best deals on insurance possible. If you want to know more, we can send you up to ten proposals free for you to review! We help families choose a provider based on our claims experience and do our best to get you insurance at a great rating and price.
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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.
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
About Tompkinsville NY
Tompkinsville is a neighborhood in northeastern Staten Island in New York City in the United States. Though the neighborhood sits on the island’s eastern shore, along the waterfront facing Upper New York Bay — between St. George on the north and Stapleton on the south — it is reckoned as being part of the North Shore by the island’s residents.
Tompkinsville was the site where early European explorers replenished their fresh water supplies and was known in colonial times as the “Watering Place”. In 1815, a settlement was established by Daniel D. Tompkins in the neighborhood next to the existing quarantine station. He was elected Vice President the following year. In 1817 Tompkins built a dock at the foot of present-day Victory Boulevard and began offering steam ferry service to Manhattan.
In the early 1900s, the telephone exchange that served Staten Island’s eastern North Shore was named after the neighborhood; the name of this exchange was changed to “Saint George” in the mid-1920s, and to “Saint George 7” when New York Telephone upgraded telephone service throughout New York City in December 1930. Converted for All-Number Calling, “727” still exists on the island today. It is the sole surviving number of the designations of the 1920s.
Tompkinsville was the site of a Naval Frontier Base of the US Navy for many years. During World War II, it was designated Tompkinsville, SI, New York.
The neighborhood hosts a number of live music and art venues, including Everything Goes Book Café, Deep Tanks Studio, Coyle Cavern, Ink Chyx Tattoo & Art Gallery, and the Staten Island LGBT Community Center, all of which take part in the north shore’s monthly Second Saturday art walk. As with much of the north shore, the area is decidedly more urban than is typical of Staten Island, evinced in the architecture (predominantly tall brick buildings) and numerous retail stores and eateries. Unlike many other North Shore communities (and like Port Richmond), the neighborhood has no public housing projects. Its housing stock is dominated by single-family homes built in the first few decades of the 20th century.