Residents living near New Windsor, NY, need to protect their home investment with a proper home insurance policy. While it’s not required by law in New York, those with a mortgage may be required to obtain homeowners insurance, depending on their chosen lender. Knowing the basic home insurance requirements for New Windsor, NY, homeowners is essential to ensure your home and personal property are always protected.
What’s Typically Covered?
When obtaining a traditional homeowners insurance policy in New Windsor, NY, traditional damage from storms, theft, fire, vandalism, and natural disasters are typically covered. Because New Windsor is no stranger to heavy winds and snow storms, adequate protection is essential.
Liability and Personal Property Coverage
In addition to covering your home’s foundation and structure with a standard homeowners insurance policy, most policies also include personal property coverage and general liability. Liability insurance protects you if someone is injured or hurt on your property with regard to medical and legal bills. Personal property coverage protects any personal belongings you may keep in your home, including furniture, clothing, and even electronics.
Earthquake and Flood Insurance
Despite a standard homeowners insurance policy in New Windsor, NY, floods and earthquakes are not typically covered. Depending on where your property is located, you may want to invest in additional earthquake or flood insurance, which will require you to purchase additional policies. Working with your insurance agency or agent directly can help you compare your options and policy add-ons that may benefit you.
If you’re located near New Windsor, NY, and you’re investing in a home or searching for homeowners insurance, Kalare Tech can help. Contact Kalare Tech today to learn more about your options for homeowners insurance in New Windsor, NY.
