Home Insurance in White Plains, NY

Home insurance, also known as homeowners insurance, is a type of property insurance that covers damage to a person's home and personal property. It is a contract between the homeowner and the insurance company, in which the homeowner pays a premium, and the insurance company agrees to pay for any covered losses or damages.

Homeowners insurance can cover a wide range of incidents, including damage from natural disasters, theft, and liability for accidents that occur on the property. It can also provide coverage for additional living expenses if the homeowner is unable to live in their home due to a covered loss.

When purchasing home insurance, it's important to understand the different types of coverage that are available. The standard homeowners insurance policy typically includes the following types of coverage:

1. Dwelling coverage: This covers the cost of repairing or rebuilding the physical structure of the home in the event of damage from a covered loss.

2. Other structures coverage: This covers the cost of repairing or rebuilding structures on the property that are not attached to the home, such as a detached garage or fence.

3. Personal property coverage: This covers the cost of repairing or replacing personal belongings that are damaged or stolen.

4. Liability coverage: This covers the cost of legal defense and any damages awarded in a lawsuit if someone is injured on the property or if the homeowner is held liable for damage caused by them or their family members.

5. Additional living expenses coverage: This covers the cost of temporary living expenses, such as hotel stays and restaurant meals, if the homeowner is unable to live in their home due to a covered loss.

Homeowners can also choose to purchase additional coverage, such as flood insurance or earthquake insurance, if they live in an area that is prone to these types of natural disasters. It's important to note that these types of coverage are typically not included in a standard homeowners insurance policy and must be purchased separately.

Protect your greatest asset and get home insurance today.

Home insurance, also known as homeowners insurance, is a type of property insurance that covers damage to a person's home and personal property. It is a contract between the homeowner and the insurance company, in which the homeowner pays a premium, and the insurance company agrees to pay for any covered losses or damages.

Homeowners insurance can cover a wide range of incidents, including damage from natural disasters, theft, and liability for accidents that occur on the property. It can also provide coverage for additional living expenses if the homeowner is unable to live in their home due to a covered loss.

When purchasing home insurance, it's important to understand the different types of coverage that are available. The standard homeowners insurance policy typically includes the following types of coverage:

1. Dwelling coverage: This covers the cost of repairing or rebuilding the physical structure of the home in the event of damage from a covered loss.

2. Other structures coverage: This covers the cost of repairing or rebuilding structures on the property that are not attached to the home, such as a detached garage or fence.

3. Personal property coverage: This covers the cost of repairing or replacing personal belongings that are damaged or stolen.

4. Liability coverage: This covers the cost of legal defense and any damages awarded in a lawsuit if someone is injured on the property or if the homeowner is held liable for damage caused by them or their family members.

5. Additional living expenses coverage: This covers the cost of temporary living expenses, such as hotel stays and restaurant meals, if the homeowner is unable to live in their home due to a covered loss.

Homeowners can also choose to purchase additional coverage, such as flood insurance or earthquake insurance, if they live in an area that is prone to these types of natural disasters. It's important to note that these types of coverage are typically not included in a standard homeowners insurance policy and must be purchased separately.