Homeowners Insurance In Buffalo, NY

Can you put a price on protecting the roof over your head? Your home is one of the most valuable things you will ever own, which is why it’s so important to adequately protect it. With home insurance, you can be covered for a range of perils that can damage your home, and you can even get compensation for your valuable possessions if they get lost, destroyed, or stolen.

At HCP Insurance, we help homeowners find policies from some of the nation’s best insurers so they don’t have to experience financial losses from covered perils. If you own a home in Buffalo, NY or anywhere else in the Empire State, we can shop around for an insurance company that offers a homeowners policy with the coverage you need, with the rates that work best for your budget. As a top insurance brokerage, we are your partners in protecting your home, and it won’t cost you anything more than it would to shop for property insurance on your own.

Get in touch with us today to get a quote for homeowners insurance or commercial insurance in Buffalo, NY and nearby communities.

What does homeowners insurance cover?

The main three types of perils covered by a home insurance policy include:

• Damage to the home itself
• Destruction, loss, or theft of personal possessions
• Liability resulting from injuries to others that occur on the property or inside the home

Your basic homeowners coverage can provide financial compensation for any of these perils, up to the limits of the policy. For example, if you have visitors and one of them slips and falls in your kitchen, your insurance company may be able to cover their medical expenses. If you experience damage to your roof from high winds or hail, your home insurance will kick in and cover the cost of the repairs. These are just a few of the costly scenarios covered by property insurance, so you can see how protecting yourself is always a great investment.

How much homeowners insurance do I need?

While basic homeowners coverage does provide a lot of protection, it may be best for some homeowners in Buffalo, NY to consider seeking out more comprehensive policies. If your home is particularly valuable, you may want to find insurance with higher limits. Likewise, if you have any possessions whose value would exceed the limits of your insurance, it is known as scheduled personal property and it requires additional endorsements. If you own a pool, you may want to purchase additional liability insurance to cover the associated risk. An experienced agent from HCP Insurance will be happy to find out more about your home and tell you about rates for any additional insurance you may need.