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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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Wyandanch NY Home Insurance
Coastal Insurance Solutions is an authority in Wyandanch, New York on insurance for home owners and wants to help your family get a very competitive rate. Since Coastal Insurance Solutions works with over thirty companies that deal in insurance, we have a great deal of experience and can give you solid recommendations that are based off our claims experience with them as well as pricing and ratings. We have great data searching tools that allow us to give you the best prices and rates on the market and help you keep your home protected and well insured so that your family has peace of mind. We can also send you up to 10 proposals absolutely free to inform you further.
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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 Wyandanch NY
This hamlet is named after Chief Wyandanch, a leader of the Montaukett Native American tribe during the 17th century. Formerly known as Half Way Hollow Hills, West Deer Park (1875), and Wyandance (1893), the area of scrub oak and pine barrens south of the southern slope of Half Hollow terminal moraine was named Wyandanch in 1903 by the Long Island Rail Road (LIRR) to honor Chief Wyandanch and end confusion between travelers getting off at the West Deer Park and Deer Park railroad stations. The history of the hamlet has been shaped by waves of immigrants.
No archaeological evidence of permanent Native American settlements in Wyandanch has been discovered. Native Americans hunted and gathered fruits and berries in what is now Wyandanch/Wheatley Heights.
The Massapequa Indians deeded the northwest section of what now is the town of Babylon to Huntington in the Baiting Place Purchase of 1698. The northeast section of the town of Babylon “pine brush and plain” was deeded to Huntington by the Secatogue Indians in the Squaw Pit Purchase of 1699. What is now Wyandanch is located in the Squaw Pit Purchase area. Lorena Frevert reported in 1949 that in the Baiting Place Purchase the Massapequa Indians “reserved the right of fishing and ‘gathering plume and hucel bearyes’.”
In July 1945, land located between Long Island Avenue and Grand Boulevard on the border between Wyandanch and Deer Park was donated by William Geiger to the Town of Babylon to be developed as a recreational site for residents of the Town of Babylon. The Babylon Town Board voted $3,500 to improve the “small lake.” In 1946, Babylon cut the brush around the lake, dredged and cleared it, and rehabilitated “a sturdy log cabin” into concession and comfort stations. The Geiger Lake Town Beach and picnic grove was opened to the public on July 21, 1946. Geiger Memorial Lake was so popular that by 1948 “many houses” had been built on Elk Street on land with lake views. The town spent $156,000 refurbishing the Geiger Lake Pool in Wyandanch in the summer of 1989. The Town of Babylon demolished the Wyandanch pool in 2011. A new children’s spray park has been built and opened in July 2013. All other recreational facilities have been removed from the park including basketball courts (built less than 5 years prior), the children’s playground, ball field and tennis courts. The William Geiger memorial monument regarding his donation and desires for land use has been removed.
One of the major complaints voiced by young adults in Wyandanch after the August 1967 unrest was the lack of positive recreational activities. A youth center opened in January 1974, and in 1984 the Wyandanch Youth Services, Inc. (WYS) was formed. Since 1998 WYS has operated a full service from a new purpose-built youth center.