The 5 Most Common Orange County, NY Home Insurance Endorsements

Aug 16, 2019

16 Aug
Homeowners Insurance

The 5 Most Common Orange County, NY Home Insurance Endorsements

by Richard Leon

In order to keep your family, belongings, and home safe, you need to have the right home insurance protection. Every policy has limits and exclusions, but adding an endorsement can ensure that you’re always covered.

What is an endorsement? Think of it as a bonus. Endorsements can overrule exceptions in limited policies, extend protection and provide extra coverage. Below are the five most common Orange County, NY home insurance endorsements.

1. Scheduled Personal Property Endorsement

The majority of home insurance policies place a coverage limit on specialty items, such as jewelry, memorabilia, and home theater systems. If the value of your belongings is above your coverage limit, you’ll want to make a change to your policy so that everything is included.

2. Sewer Backup Endorsement

Clogged drains, collapsed pipes, and cracked sewer lines can cause a sewer backup. Sewer backups are not included in standard home insurance policies. So, an endorsement can protect you from property loss due to an accident, Orange County municipal problem, or system damage.

3. Earthquake Endorsement

Few Northeast homeowner’s insurance policies include coverage for earthquake damage, compared to the coverage provided to homes on the West Coast. But according to a 2008 FEMA study, New York is the fourth most at-risk state for building-related earthquake losses. 

Purchasing earthquake insurance as an endorsement or creating a separate policy is easy. Learn more about earthquake insurance in New York to understand what the risks are.

4. Watercraft Endorsement

If you ever take your boat out to Glenmere Lake, Ramapo Valley, or Lake Tiorati, adding a watercraft endorsement is a must. Any insurance for boat damage when it’s docked or in use and liability coverage for injuries can be added to your home insurance policy. 

Generally, watercraft endorsements are used on recreational boats. Larger boats like yachts have separate policies.

5. Home-Based Business Endorsement

Having home-based business coverage before you start your company is an important way to build success. Business activities aren’t normally covered in a home insurance policy, and if things don’t go as planned, they could cause you to forfeit coverage.

Depending on the size of your Orange County business and what your operations are like, you may be able to add a home-based business endorsement, instead of purchasing commercial insurance. 

Orange County, NY Home Insurance from TSC

TSC Direct has provided Orange County residents with home, co-op, condo and renters insurance since 1986. Our motto is “for New Yorkers, by New Yorkers” because we understand the unique needs of our community. 

We are known for superior service, lower rates, and a simple and efficient claims process. When possible, we deliver claims checks to NYC residents by hand rather than putting them in the mail.

We write NY homeowner’s insurance policies for residents living in Queens, Manhattan, Bronx, Brooklyn, and Staten Island, as well as Nassau, Westchester, Suffolk and Orange counties.

Get a quote below and see how much you can save with TSC Direct!

Get a quote. 

For New Yorkers, by New Yorkers
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, 2019 Tri-State Consumer Insurance Company, known by its trade name, TSC>Direct, had admitted assets of $109,367,801 and policyholders surplus of $49,936,957.  Its total liabilities were $59,430,843 including $38,313,944 in reserves.

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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.