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Tottenville 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

Tottenville NY Homeowners Insurance Rates

Coastal Insurance Solutions is the number one authority when it comes to insurance for home owners in Tottenville, 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.

Call our knowledgeable and licensed staff to learn more or fill out a secure information form to know more!

 

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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 Tottenville

Tottenville is the southernmost neighborhood of Staten Island, New York City and New York State, with an area of approximately 1.7 square miles. Originally named Bentley Manor by one of its first settlers, Captain Christopher Billop (1638–1726), after a small ship he owned named the Bentley, the district was renamed Tottenville in 1869, apparently in honor of the locally prominent Totten family, whose name can be seen on tombstones in one of the earliest churches, Bethel Methodist Church, on Amboy Road.

Many large, stately homes built in Tottenville in the 19th Century remain standing; however, in recent years, land developers have been buying up the property on which several of these homes have stood, with the intention of demolishing them and constructing townhouses on the property. The fate of one such home, which had been the parsonage of Bethel Methodist Church, located at 7484 Amboy Road, became the focus of an intense local controversy in March, 2005, when the community rose up in opposition to plans by builder John Grossi, who had purchased the property, to raze the home and construct five townhouse units on the site. On March 17 Grossi angrily spray-painted graffiti on the house, built circa 1870, which included a threat to populate it with low-income tenants under the federal Section 8 housing program; the resulting public outcry prompted New York City mayor Michael Bloomberg to have the home declared a landmark, thus preventing its demolition. Bloomberg announced his decision to do this during a visit to Tottenville on March 22, and the New York City Landmarks Preservation Commission made the designation official on April 12. Since then, no noticeable effort has been made to restore the home, which remains in a dilapidated condition.

In March 2008, over 20 blocks in the northern section of the neighborhood were changed over to one-way streets, more effectively managing traffic on the older, narrower blocks.

Tottenville has been the southern terminus of the Staten Island Railway since the railway was extended to the neighborhood on June 2, 1860, and today the three southernmost stations along this railway are generally regarded as part of the community; besides the terminal station which bears the neighborhood’s name (which is the southernmost railway station in New York state), the other two are Atlantic (named after the defunct Atlantic Terra Cotta Co. factory nearby) and Nassau (referring to Nassau Smelting and Refining, the original name of the factory later taken over by Lucent Technologies). The MTA will close the Atlantic and Nassau stations, replacing them with the new Arthur Kill station with a parking lot in 2015.

 

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