Homeowners Insurance

Homeowners Insurance

What it is

It’s insurance that protects the actual structure of your home(s) and the personal possessions in and around it.  A variety of combinations exist to cover the many risks of owning a home (e.g., losses due to fire, burglary, vandalism, water, liability, etc.). If you live in or around the Rochester NY area, you can get access to the most protective and lasting homeowner’s insurance coverage. All you have to do is review all of your options with a Feltner Group associate and choose the best fit.

Homeowners Insurance

Why you need it

• It offers financial protection against loss in the event of damage/destruction to the home/property
• It offers liability protection for the people living within the home
• It’s ideal for New York Homeowners
• It’s essential if you want to protect your home from any unforeseen events
• It provides you with peace of mind

Homeowners Insurance

What it protects

Part A:

Homeowners Insurance Property Protection

• Dwelling usually covers your home, attached structures, household fixtures, plumbing, wiring and heating.
• Other Structures covers detached structures like garages and equipment attached to the property such as driveways and patios.
• Personal Property refers to the contents of the home and personal items owned by the residents.
• Loss of Use usually covers the living expenses should you not be able to remain within the home with repairs are being made.

Part B:

Homeowners Insurance Liability Protection

• Personal Liability provides liability coverage against a lawsuit or claim stemming from bodily injury or property damage to others caused by an accident on your property.
• Medical Payments includes coverage to pay medical expenses for persons accidentally injured on your property, regardless of fault.
• REMEMBER: There are exclusions with every homeowners insurance policy

Homeowners Insurance

What it protects against

Standard homeowners insurance coverage policies protect against damage from:

Additional coverage is usually available for protection against:

Homeowners Insurance

Possible discounts

It can be tremendously helpful to bundle your home and auto insurance with a single carrier. Many offer discounts when you place multiple lines of business with them—from 20% to as much as 40%.

Carriers also often give credits (effectively reducing your rates) based on improvements or additions that make your home safer or less likely to suffer a loss. For example:

• Is your home equipped with a central alarm for burglary and/or fire?
• Do you have fire extinguishers?
• Are there deadbolts on your doors?
• Do you have a sump pump in your basement?

If your agent hasn’t asked you these questions recently, you may be missing out on an opportunity to lower your insurance premium. As an independent insurance agency, The Feltner Group can provide you with all the coverage options available to you, not just the ones that are being pushed for a quick sell.

Let us take a look and make sure you’re getting the right coverage at the best rates. Fill out the form below to get the best homeowner’s insurance quotes.