Home Insurance in New York

Home insurance can cover any damage to your home, including your belongings and property. It can also protect the assets in your home. Different coverage options, such as living expenses, can cover your costs temporarily if you are forced to live elsewhere while your home is being rebuilt. We offer home insurance at Worthington Carroll Agency in Port Jervis, NY, and we can customize a policy that meets your needs.

Home Insurance Requirements

You are not legally required to purchase home insurance in New York. But, your mortgage lender may require you to buy a policy.

Home Insurance Coverage

So, what does home insurance cover? You are provided with financial protection in the event of a loss due to theft, accidents, and natural disasters. Here are the various policies included in home insurance coverage:

• Structure coverage- This will pay for the necessary expenses if your home needs to be repaired or rebuilt following a hurricane, hail, lighting, fire, or other natural disasters. This policy may also include your garage, tool shed, or gazebo.
• Personal items- This includes overage for any personal items, including those stored off-premises. This means that you are covered anywhere in the world. Certain expensive items such as art, furs, collectibles, and jewelry are also covered.
• Liability- If you are faced with a lawsuit after someone is injured on your property or you cause property damage to another party, this will cover your legal fees. It will also cover your pets. For example, you will be covered if your pet ruins one of your neighbor’s expensive rugs.
• Additional living expenses- If you cannot remain in your home following a natural disaster, this will temporarily cover your living costs away from home.

Contact Worthington Carroll Agency

To obtain a home insurance quote, call Worthington Carroll Agency today. We are located in Port Jervis, NY.