Finding the right Westchester County Homeowners Insurance Policy

Mar 11, 2019

11 Mar
2019
Understanding Insurance

Finding the right Westchester County Homeowners Insurance Policy

by Richard Leon

If you’re looking for the right Westchester County homeowners insurance policy, you’ve come to the right place. TSC Insurance has been proudly insuring Westchester residents since 1986.

This blog will give you a brief introduction to homeowners insurance, explain what it covers, and provide a rough estimate of how much it may cost for you. To get your quote right away, click here.

What is Homeowners Insurance?

Homeowners insurance is a kind of insurance policy that protects homeowners against economic losses and damage caused by storms, fires or burglary. A homeowners policy will also cover legal costs if someone is hurt in your home or on your property.  Homeowners insurance is almost always required to get a home loan.

What does Homeowners Insurance cover?

Homeowners insurance policies vary, but most will cover the following:

  • The home, including its structure, electrical wiring, plumbing and HVAC systems
  • Other buildings or structures on your property, like garages, sheds, poolhouses, etc.
  • Your possessions, including everything from appliances and silverware to jewelry and electronics
  • Expenses incurred due to loss of use, such as the price of a hotel room while your home is being repaired
  • Personal liability coverage, which covers financial losses and legal expenses in the event that someone is injured on your property and sues you
  • Medical costs associated with someone getting hurt in your home or on your property

How much is Westchester County Homeowners Insurance?

How much is a Westchester County homeowners insurance policy? That depends on what kind of policy you choose.

An HO-3 policy is the most common policy for owners of single-family homes, and includes coverage for fire, theft and wind (storm damage). A good rule of thumb for determining how much you may pay is $35 dollars per month per every $100,000 of home value. Rates vary depending on your city and state and the insurance company you choose.

Home insurance premiums are paid monthly, generally at the same time as your mortgage payment. Review your coverage each year with your insurance agent to make sure your coverage matches your current needs. Additional coverage can be added to your policy at any time should your circumstances change.

Westchester County Homeowners Insurance from TSC

If you are looking for Westchester County homeowners insurance, look no further than TSC Insurance. We are a New York insurance carrier that’s designed to meet your unique needs.

Get your Westchester County homeowners insurance quote below in as little as 2 minutes to see how much you can save by switching to TSC!

Get your 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, 2017, Tri-State Consumer Insurance Company, known by its trade name, TSC>Direct, had admitted assets of $104,143,929 and policyholders surplus of $45,194,317. Its total liabilities were $58,949,612 including $42,833,754 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.