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Your home will more than likely be the largest financial investment you make in your lifetime and you will want to ensure that is protected properly. One way to achieve that goal is to obtain homeowner’s insurance.
In the state of New York, you are not required to obtain a homeowner’s insurance policy but if you have a loan for your home through a bank, mortgage company, or other financial institution, you will more than likely be required to have home owner’s insurance coverage. The type of coverage options will be up to you but you will want to enlist the assistance of an experienced homeowner’s insurance agent to help you decide on which options you want to choose.
A typical insurance policy for your home will cover, first of all, the structure of your house. This will protect your home if it is damaged or destroyed by a fire, vandalism, or natural disasters, such as a tornado, hurricane, or hail storm. Replacement costs will be included in this policy in the horrible instance that your home is completely destroyed.
Personal Possessions
Many times your policy will also include coverage for your personal possessions up to a certain limit. This will include your clothing, household items, appliances, and furniture.
Living Expenses
You can include an option in your policy that will pay for you and your family to relocate, at least temporarily, in the event your home is destroyed or deemed unlivable for a period of time until it is repaired or rebuilt.
Liability
A liability option on your policy will cover visitors to your home who are injured because of a fall or other accident while on your property. This is important to protect you and your home from a lawsuit in the rare case that an accident occurs at your home.
To obtain a homeowner’s insurance policy from a trusted and experienced agent in Scotia, NY, visit the DePaulo Agency today!