Homeowners Insurance In Long Island, NY

Your home is your castle, and with homeowners insurance, you can protect yourself from a range of financial losses due to structural damage, loss of your personal belongings, and injuries that occur on your property. At HCP Insurance, our goal is to help homeowners in Long Island, NY and other Empire State communities find the best insurance policies for their needs and their budget. As a full-service insurance brokerage, we are available to give you advice whenever you need it and shop around for the best homeowners insurance rates, and our services won’t cost you anything more than shopping for insurance on your own.

Get in touch with us today for a quote on homeowners insurance in Huntington, NY or wherever it is you call home.

Home insurance covers the following:

A basic homeowners insurance policy covers three main types of perils:

  • Damage to your home’s structure
  • Loss of personal belongings
  • Liability from injuries that occur on your property

This type of home insurance will cover the majority of issues you will experience when you own a home. For example, if you have a fire, your policy will compensate you to repair any damage caused and replace any covered belongings you lost. If you are having friends over and one of them falls down the stairs, their medical bills can be paid through your homeowners insurance company. These and countless other scenarios could cost you thousands of dollars to resolve on your own, so having a good home insurance policy in place will give you peace of mind knowing that a freak occurrence won’t cause significant financial hardships for you.

Your coverage options

Some homeowners may face perils not covered by basic property insurance, or they may need higher limits for higher-value properties and possessions. At HCP Insurance, we will be happy to assist you no matter what your needs may be. Some additional coverage options you may want to add include:

  • Scheduled personal property insurance for high-value items
  • Earthquake damage
  • Flood damage
  • Water backup damage
  • And more

There are so many home insurance policies available to homeowners in Long Island, NY, so the best thing to do is speak with an agent about your property and your needs. Our agents have the knowledge and experience to help you find the right coverage, and our relationships with some of the nation’s best property insurance companies mean you will be able to easily find insurance that will be there for you when you need it.

Is home insurance often a mortgage requirement?

If you took out a loan to purchase your home, your mortgage company will likely require you to carry property insurance, but that doesn’t mean you can’t shop around for the best rates and policies! Just because your lender recommended a certain insurance company doesn’t mean you have to choose them. You may be able to find better rates or more thorough coverage with another insurer. When you choose HCP as your insurance brokerage in Long Island, NY, you will have access to countless policies without having to put in the effort of researching them on your own. Call us today for a quote or request a consultation online by visiting our contact page.

If you own a business, we can also help you find business insurance in Long Island, NY, so get in touch with us for all your insurance needs.