Thinking about Long Island Homeowners Insurance?

Feb 15, 2019

15 Feb
The Ins & Outs of Insurance, Understanding Insurance

Thinking about Long Island Homeowners Insurance?

by Rosa Parsons

Homeowners insurance is an important form of property insurance that can protect your private residence from damages or losses resulting from accidents, theft, or disasters. At TSC Direct, we take pride in our ability to offer affordable and trustworthy coverage for your home. If you are considering whether or not you need Long Island homeowners insurance, allow us to explain some of its benefits.

Protection from Structural Damage

One of the paramount reasons for getting homeowners insurance is the fact that it can cover the cost of any damage done to the physical structure of your home. In the unfortunate event that your home is damaged by a disaster such as a storm or fire, Long Island homeowners insurance can cover the funds needed to repair it.

In addition to covering your home, Long Island homeowners insurance will usually cover any damage done to other structures located on your property, like tool sheds, pool houses, and garages.

Protection of Your Valuables

Another reason our members invest in Long Island homeowners insurance is the protection it provides for personal belongings, like clothing, furniture, appliances, computers, and televisions.

If you are the victim of a break-in and your television was taken, your Long Island homeowners insurance policy will cover you up to the cost of the television. Most policies will also cover any of your valuables that were damaged or destroyed by a disaster like a fire or a storm.

Liability Protection

Picture this scenario: You’re having a barbeque on a beautiful summer day. One of your guests has had a little too much to drink. He trips on your stairs and seriously injures himself. The liability protection granted by your Long Island homeowners insurance would cover any medical costs that derive from this injury.

In addition to covering bodily injuries, Long Island homeowners insurance protects you from property damage done to neighbors’ homes. If a tree from your property falls onto a neighbor’s home, the repairs will be covered under your policy.


The sum total of what a Long Island homeowners insurance policy offers is the security of knowing that your home, your prized possessions, and your loved ones are safe.

If you need an added layer of security and confidence, TSC Direct can help.

Long Island Homeowners Insurance from TSC Direct

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Since 1986, we have offered the most competitive rates in auto and homeowner's insurance in the New York metropolitan area. Why should everything cost more just because we live in the greatest city in the world? Take 2 minutes and get a free quote today.
As of December 31, 2018 Tri-State Consumer Insurance Company, known by its trade name, TSC>Direct, had admitted assets of $103,374,630 and policyholders surplus of $41,898,069.
Its total liabilities were $61,476,562 including $42,261,317 in reserves.
2018 All Rights Reserved. Tri-State Consumer Insurance Company, a division of Tri-State Consumer Inc., 100 Jericho Quadrangle, Suite 124, Jericho, NY 11753-2702
Providing auto and homeowners insurance to: New York City, Queens, Manhattan, Brooklyn, Bronx, Staten Island, and Nassau & Suffolk Counties in Long Island. Providing homeowners insurance also to: Westchester County and Orange County NY.