Homeowners Insurance and Property Protection Insights
The following articles provide practical information for homeowners seeking to understand insurance, protect their property, and make informed decisions about coverage and risk. You’ll find guidance on common claims, coverage options, maintenance considerations, and tips to help safeguard your home and your investment.
How Do I Calculate the Replacement Cost of My Home?
When it comes to insuring your home, you need to think in terms of replacement cost, not market value. Replacement cost reflects the amount required to rebuild your home, as…
Sewer/Water Backup Coverage vs. Flood Insurance: Do You Need Both?
As flooding and water backups become more common, many homeowners want to make sure they are covered for any kind of water damage. Homeowners are often surprised to learn how…
Halloween Safety Tips Play up the Treats, Minimize the Tricks
All Hallows’ Eve began as an ancient Celtic harvest festival, marked by parties and feasts. The feasts have been replaced by mountains of candy, but one part of the festival…
How Often Should You Review Your Insurance?
Insurance isn’t a “set it and forget it” deal. Treating it that way could mean you’re paying too much, aren’t adequately insured, or don’t have the right coverage. This is…
Fall Maintenance Checklist: 16 Tasks to Prepare Your Home for Winter
Autumn has arrived here in the Northeast. Spending a day or two this fall on a few annual maintenance tasks can help prevent common winter emergencies like home heating system…
The Difference Between Contents and Structures Insurance Coverage
If you’ve ever purchased—or simply researched—property insurance, you’ve likely encountered the terms “contents” and “structures” coverage. In a nutshell, “structures” refers to the insured building and other structures, and “contents”…
These 6 Common Homeowners Insurance Myths Could Cost You Money
Homeowners insurance can be complicated, which may explain why some misconceptions persist even among people who’ve been buying insurance for years. Unfortunately, misunderstanding what your policy does—and doesn't—cover can become…
What to Expect When Your Homeowners Insurance Company Inspects Your House
If you've bought an older home in the New York area, whether in the city or one of the surrounding suburbs, or you're coming up on renewal, your insurer may…
4 Steps to Insuring Collectibles & High-Value Items
Your home may be insured, but do you know whether your insurance covers everything in your home? Depending upon your policy, one or more of these items may be excluded—or…
What You Need to Know About Floods and Flood Insurance
The Atlantic hurricane season, which starts on June 1 and extends through November 30, is underway. This year, the National Oceanographic and Atmospheric Administration (NOAA) predicts a 35% chance of a near-normal…