HOME INSURANCE AGENT SCOTIA NEW YORK
You’ve put a lot of time and effort into making your house a home. Protect your investment and your family with homeowner’s insurance coverage. Not sure where to start? Our team at the Anthony Catalfamo Agency LLC is here to help.
Why Do You a Need Homeowner’s Policy?
There are many reasons to purchase a homeowner’s policy. You might be required to have coverage if your mortgage company demands it, but really it all comes down to peace of mind. If anything unexpected happens to your home, you can rest assured that your family will have what they need for repairs and to have a safe place to stay.
New York Homeowner’s Insurance Coverage Basics
You already know you need coverage, but you might not understand the basics. Most homeowner’s insurance policies cover three areas—personal property, liability, and loss of use.
Personal property includes everything you own in your home: your furniture, your television, your child’s favorite pillow, and even your toothbrush. Would you be able to afford to replace all these items individually if there was a theft or fire? This is where having a quality homeowner’s insurance policy is especially important.
Liability coverage helps protect you against an unexpected lawsuit if someone visiting your home is injured or you have a situation where you’ve damaged another person’s property. This includes trip and fall incidents, dog bites, your child hitting a baseball through a neighbor’s window, and more. Court costs can really add up, so having adequate homeowner’s insurance really helps.
Finally, loss of use coverage is designed to help you find a temporary place to stay if your home becomes uninhabitable due to a covered incident.
Proudly Serving Homeowners Near Burnt Hills, NY
Are you ready to learn more about protecting your family and home? Please get in touch with our team at the Anthony Catalfamo Agency LLC to schedule a no-obligation policy review appointment.