Wheatley NY Homeowners Insurance

Fill out 1 Simple Form & get the Best Quotes in Minutes

10 Free Quotes from Top-Rated Insurance Companies

  • Compare Prices & Start Saving Today
  • Rated A+ by AM Best
  • Built to Save YOU Money!
  • Get Competitive Quotes
get a home insurance quote

Get 10 FREE QUOTES from Top-Rated Insurance Companies

insurance companies new york 600x266 1

Compare Prices & Start Saving Today!

Common Homeowners Insurance Discounts

N

New Homes may enjoy discounts up to 14%.

N

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%.

N

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

N

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

N

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

N

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

Verified Google Reviews

tom

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

Michele

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

david

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

josephine 1

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

Wheatley Home Insurance Rates

Coastal Insurance Solutions is the undisputed authority when it comes to insurance for homes in Wheatley, New York. We work with an incredible amount of companies– over thirty in total– which allows us unique insight into which insurance provider will be the best for you. We can send you up to 10 free proposals for you to look over and have extensive knowledge and data searching tools which let us tell you the best prices on the market as well as ratings and companies to go with! We know that investing in a home for your family is so important, and at the same time very stressful. It doesn’t have to be. Work with Coastal Insurance Solutions and you can get the best rates and the best deals. We want you to experience absolute confidence in the fact that your home is well protected and your assets are completely secure, and your family is too.

For more information, you can speak with our knowledgeable staff or you can fill out the information form to find out the best available price!

www.GIFCreator.me om7inW 1

 

Get 10 FREE QUOTES from Top-Rated Insurance Companies


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.

www.GIFCreator.me om7inW 1

 

Get 10 FREE QUOTES from Top-Rated Insurance Companies


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

www.GIFCreator.me om7inW 1

 

Get 10 FREE QUOTES from Top-Rated Insurance Companies


Information about Wheatley

Wheatley Heights is a census-designated place (CDP) in Suffolk County, New York, United States. The population was 5,130 at the 2010 census. Wheatley Heights historically was part of the hamlet of Wyandanch, and shares a ZIP code and fire brigade with it. The name of the area was changed to Wheatley Heights by a property developer to distinguish that Wyandanch residents north of Main Avenue are part of the Half Hollow Hills school district.

In 1710, Jacob Conklin built the first home in present Wheatley Heights. However, it is his notoriety for having once sailed with Captain Kidd that has fascinated generations of people.

Situated in the lower Half Hollow Hills, which have long been cherished for their natural properties, the clay and sand were found to be ideal for brick making. During the late 1800s, over 1.6 million bricks a year were produced in Wheatley Heights and Wyandanch brickyards and shipped by rail for use in New York City. Capitalizing on the popularity of the region’s mineral springs, some companies bottled and commercially sold the spring water, touting their health benefits.

Wheatley Heights was historically part of the hamlet of Wyandanch, known as West Deer Park until the mid-1800s, though the community was separated by two school districts. The name Wheatley Heights comes from a 1913 development mapped out by real estate investor William Geiger. A portion of the renowned Vanderbilt Motor Parkway, operated from 1908 to 1938, ran through Wheatley Heights.

www.GIFCreator.me om7inW 1

 

Get 10 FREE QUOTES from Top-Rated Insurance Companies


Need assistance now?

Give us a call:
(631) 782-3175

Homeowners Insurance Articles

Helpful Home Insurance Articles