Homeowner Insurance in Rochester, NY
Houses are not only the biggest asset in most families' financial portfolio, but also the most sentimental and valued possession that people have in their lives. Houses are the place where you and your family live and make memories, and also where all of your most valuable items are stored. That is why protecting your home from all sorts of accidents and misfortune with a homeowner insurance policy is a step taken by almost all homeowners in America. With a comprehensive plan in place from our team at Consolidated Agency Inc., you and your loved ones can have the peace of mind you deserve. Learn more about the most common things that are covered by typical homeowner policies below.
What does homeowner insurance cover?
Here at Consolidated Insurance Inc, we work tirelessly to make sure our clients in Rochester, NY, and the surrounding areas are protected. Here are some of the main things that are covered by the homeowner policies we sell:
- Basic Perils
- This includes damage from fire, lighting, wind, hail, explosion, aircraft, vehicles, riot, smoke, and sinkhole.
- Broad Perils
- This includes damage from falling objects, weight of ice & snow, collapse, freezing, and vandalism in addition to all of the Basic perils
- Comprehensive Perils
- This is the most comprehensive coverage form, and insures against all perils unless specifically excluded in the policy documents.
- Other Structures On The Property
- If you have detached garages or sheds on your property, they can be insured and protected as well.
- Personal Property
- The items that you have inside the home can be protected in the event of a disaster that destroys all or part of your home. There is a limit on this value, so if you have a few incredibly expensive items, like jewelry or artwork, they should be appraised and insured on a schedule.
