Homeowners Insurance in New York

We estimate replacement cost using carrier tools and local data… materials, labor, code upgrades, and debris removal all matter. During your home quote we review the model and adjust for features like finished basements, custom kitchens, and masonry. Replacement cost differs from market value… the goal is to rebuild as before.

Yes in parts of Long Island and coastal zones… carriers may use a separate percentage deductible for named storms or wind events. We explain each option in your quote and show how it affects premiums and out of pocket costs.

No… flood is excluded on HO policies. We can add an NFIP or private flood policy and coordinate closing documents. Learn basics in our homeowners guide and start a bundled quote if your lender requires it.

New York homes with basements benefit from water or sewer backup coverage… it addresses backups that are not flood. We help you set limits for finished or storage spaces inside the same quote flow.

This pays for code required upgrades when rebuilding… electrical, plumbing, energy, sprinklers. Older homes in New York often need higher limits. We review options when we build your quote.

Bundle with auto, monitored alarm, new roof, impact resistant materials, paid in full, claim free, mature homeowner, and paperless. We check every carrier in your quote and document the savings.

Telematics affects auto pricing… the bundle then reduces the home premium. Start the auto and home quote together so we can apply both credits.

Yes though it shifts more cost to you during a wind claim… we show side by side options in your proposal so you can choose a comfortable level.

Not always in New York… but inspections and photos help underwriting. We provide a checklist and upload links in the quote.

Newer roofs, architectural shingles, and updates can improve pricing… older roofs may need actual cash value endorsements. We explain tradeoffs inside the quote before you decide.

Condos use HO-6… we read the master policy to set walls in, betterments, loss assessment, and water backup. Begin at condo quote and we will request the master declarations.

Dwelling coverage, liability, loss of rents, water backup, and service line where available… document tenant compliance. Start a landlord quote and we can package multiple locations.

Co-op bylaws drive what you insure inside the unit… walls in and improvements often apply. Upload bylaws within the quote so we can tailor limits.

Extra liability can protect income and assets… umbrellas often require minimum auto and home limits. We model scenarios during your review.

Some carriers allow hosting endorsements, others require a commercial form… we will place you correctly after a quick intake.

You report to the carrier, a desk adjuster opens the file, and a field adjuster inspects… we can help you understand deductibles and coverage before you call. See our homeowners guide then reach us by phone if you want a coverage review.

Many clients start with us so we can review your policy and talk through the event… then you decide whether to file. If you file, we provide carrier contact links and your policy number. Use the contact form after hours.

Wide shots and closeups, damaged areas with measurements, serial numbers, and any mitigation invoices… upload inside your client thread so adjusters can review quickly.

Carriers weigh claim type, amount, and frequency… weather claims often matter less than preventable losses. We can quote alternatives in the same session if needed.

Yes… keep scope and pricing aligned with the adjuster estimate. If supplements appear, your contractor submits them to the carrier. Call us if you need help reading the estimate.