Category: Home Insurance

Understanding Basic Home Insurance Requirements for New Windsor Homeowners

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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.

Things home insurance covers and things it doesn’t cover

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Home insurance provides a real feeling of security, and it does cover many of the things that might cause you problems. However, like most insurance, it does have exclusions. Knowing what those exclusions are is vital so you don’t get a nasty surprise when you file a claim. At Kalare Tech in New Windsor, NY, we are independent insurance agents, and our responsibility is to our clients, not to the insurance companies. 

Coverage

Your home insurance is divided into four main parts. It covers hazards that can damage your home, content, liability, and where you will stay if your home is damaged. The coverage includes:

  • Theft
  • Fire
  • Some weather events
  • Loss of use
  • Content with limits
  • Liability

There are limits on this coverage. Your jewelry, art, antiques, and electronics are also limited. You can increase your coverage by endorsing your policy to bring it up to the level you require. 

Home insurance doesn’t cover:

  • Earth movement- This includes earthquakes, mudslides, landslides, and sinkholes. 
  • Floods– When water comes from a land source, such as a river, lake, or ocean, the flooding to your home isn’t covered. 
  • Owner neglect covers many different things- If you get termites, the problem is yours since you should get termite treatment if you live in an area where you are in danger. If your roof is old and leaks and causes damage to your house, this is not covered since the insurance expects you to maintain your home and replace a worn roof. Mold is another damage that is often considered owner neglect since it often results from a water leak behind the walls. 

Contact our office at Kalare Tech in New Windsor, NY, to discuss your current and future home insurance needs. 

3 Ways to Protect Your Roof All Year Long

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If you are a homeowner in the New Windsor, NY area, you understand the importance of protecting your roof from the different weather conditions you face all year. Being able to protect and maintain your roof means that it will last longer and you will not have to replace it sooner than expected. Below are the best practices we want our Kalare Tech customers to utilize for protecting your roof all year. 

3 Ways to Protect Your Roof All Year Long

1. Biannual Roof Inspection

One of the best things you can do is take a look yourself if you are experienced in roofing or have a roofing professional come and check out the condition of your roof. During this inspection, they will check for shingles that need to be replaced and worn areas in your roof that may need to be replaced or patched. This should be done twice a year before the heat of the summer sets in and the coldness of the winter months. 

2. Unclog Your Gutters

Once a month, it is a good idea to go around the gutters and make sure they are draining properly. If they get backed up with debris, the water will sit around the roof edges and cause it to deteriorate. It can also put unnecessary weight on these edges, which can cause further damage. 

3. Add Insulation to Your Attic

Many of the attics in this area are unfinished, which means that there isn’t as much insulation. Have it built up in this area as a way to keep the heat in the home and keep the snow on the roof from melting too fast. When that happens, it refreezes, but it makes an ice dam that is heavy and can be as damaging as backed-up gutters. 

Get A Quote Today

Our team at Kalare Tech is ready to assist you with a personal quote if you live in New Windsor, NY and the surrounding areas. 

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