Business, Home & Auto Insurance Specialists since 1983

New York Home Owners Insurance

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Your home is probably your most valuable asset. You should have a homeowner policy that gives you the protection you need at the best possible price. Ask us about the following:

Replacement Cost on Dwelling

Covers the full cost of repairing your home when damaged in a covered incident, even if the replacement cost exceeds your policy limits, provided your home is insured for 100% of its replacement value.

Replacement Cost on Contents

If you experience a covered loss in which an item is destroyed or stolen, your policy will pay to replace the item up to the limits stated within the policy and less your selected deductible. The difference between replacement cost and the depreciated value can be considerable.