Homeowners in New Windsor, NY should be well versed in the requirements of insurance in the state. While it’s not legally mandated to maintain a home insurance policy, your lender will most likely require you to have an insurance policy on the home.
Windgate Insurance Agency Inc. highly recommends pursuing an insurance company that has experts in the field that can accurately assess your property to provide a quote and plan that best suits your lifestyle and needs. Anybody can sell insurance, but it’s important to select a company that knows what they’re doing and are passionate about helping you feel protected within the four walls of your home.
What Does a Home Insurance Policy Cover?
The home insurance policy you select can vary, but the majority of these types of plans include coverage for the structure of your home, the personal belongings inside the home, and any structures on your property, like a pool or detached garage. If your property includes any of these, that’s a great point of clarification to get when you meet with an insurance provider. Make sure you determine what items on your property need insurance and the valuable items within your home as well.
Taking an inventory of your home and its precious items is a great way to protect any financial investments you’ve made over the years. Home insurance can offer protection from burglaries, damage from weather and natural disasters, repairs needed, and much more.
Life in New Windsor, NY truly can’t be beaten. If you’re a homeowner and interested in evaluating your current policy or pursuing a new one, contact the team at Windgate Insurance Agency Inc. We’re here to help.
Windgate Insurance Agency Inc. serves the New Windsor, NY community by offering residents multiple insurance coverage types. We strive to make things easier for our clients. For over 25 years, we have been committed to providing customer service that exceeds expectations.
Home Insurance Myths To Avoid
Your home is one of your most prized possessions. However, one accident can cause major damage. That’s why home insurance is an asset. Home insurance covers you if your property is damaged or vandalized. Your personal items inside of your home are also covered if they are stolen. Liability coverage protects you if someone gets injured while visiting your home. As you are researching different policies, avoid some of these common home insurance myths.
Any Flood Damage Is Covered
This is incorrect. During severe weather in New Windsor, NY, there is a possibility that flooding will occur. If your home is damaged due to a flood, you will not be automatically protected under your home insurance policy. You’ll have to look into adding special flood coverage.
Your Luxury Items Are Covered
This is also incorrect. If you have special luxury items such as antiques, you’ll have to amend your policy to ensure that you are covered if the items are damaged or stolen.
I’ll Be Covered If I Start A Work From Home Business.
If you want to start a work from home business, you are not fully covered under your home insurance policy. Working from home exposes you to a unique set of risks. That’s why you’ll need to look into a commercial policy to cover your business fully.
Consult With Windgate Insurance Agency Inc.
Visit our website to learn more information about home insurance.
One of the biggest decisions that someone in the New Windsor, NY area will ever have to make occurs when they buy a home. For those that want a stable place to live, owning a property is often the ideal option. If you are looking to buy a home, you will be much better off if you get a home insurance policy. There are several reasons why having this insurance is a necessity.
Ensures Contractual Compliance
If you buy a property, there likely will be a variety of legal agreements that will require that you have home insurance. Anyone that purchases a home with a mortgage will be required under their loan agreements to carry home insurance at all times. Further, anyone that lives in a home association will be required to carry a full home insurance policy.
Property and Liability Coverage
The main benefit of having insurance on your home is that it will provide you with very valuable coverage. This insurance will give you protection if your home is damaged by a fire, bad storm, or another type of casualty. With the policy, you will also get very important liability coverage. This will ensure you are covered if you are found liable for an injury or other accidents that occur on your property.
No matter what your personal situation is, it is very important that you have insurance on your New York property at all times. Those that are in the New Windsor, NY area and want to buy a home should call the Windgate Insurance Agency, Inc. to learn more about home insurance. The team at Windgate Insurance Agency, Inc. can explain to you all of your insurance options to make sure that you get the right insurance for your home and situation.