If you own a home in Amsterdam or Johnstown you need to think critically about home insurance to protect your prized asset. While you have invested in surveillance systems, perimeter walls, and other security features, these may fall short when faced with perils like fire, lightning, hail, and other risks. Given that you can’t prevent your home against all risks, you need home insurance from Kinowski Agency Inc. to safeguard your dwelling.
Home insurance coverages
Home insurance isn’t a one-size-fits-all insurance plan — it’s offered in different coverages to enable you to choose the options suitable for your needs. When shopping for home insurance in New York, you are likely to come across the below coverage options:
- Dwelling insurance: This policy covers your dwelling against perils like fire, theft, vandalism, falling objects, and other risks stated in your policy. When buying the policy, buy sufficient coverage adequate to rebuild your home from the ground up. Also, be sure to read the ins and outs of your policy because perils like floods, earthquakes, pest damage, and normal wear and tear aren’t covered by typical home insurance.
- Personal assets coverage: It covers items like clothing, furniture, fixtures, and other assets against the risks stated in your policy. Like dwelling insurance, purchase coverage adequate to replace all your assets in the worst-case scenario. However, it’s worth noting that home insurance provides limited coverage for high-value items like jewelry, guns, fur, and other high-priced items.
- Liability coverage: This coverage protects you against bodily injury and property damage when accused by others. For instance, liability coverage will come to your rescue when your pet injures a neighbor.
- Loss of use: If a covered peril makes your dwelling unlivable, home insurance will pay for the additional living expenses until your home becomes habitable again.
Ready to invest in home insurance in New York? Please get in touch with Kinowski Agency Inc. for an affordable quote. Better yet, you can pop in our Amsterdam or Johnstown offices to chat with one of our sales agents.
While our offices are located in Amsterdam, NY & Johnstown, NY, we serve our clients all across New York.