Homeowners Insurance In Rochester, NY
As much as you might like to have a trouble-free home ownership experience, in the real world, things aren’t always so simple. Natural disasters, fires, floods, and more can happen at any time, leaving you with expensive repair bills. Another person could get injured on your property, and you could be liable to cover their medical expenses. While you can’t always control what happens on your property, you can have some control over how much it will cost you by purchasing a homeowners insurance policy for your home in Rochester, NY.
At HCP Insurance, we work with a wide network of insurance companies to help you find the best rates and coverage. Our agents will be happy to shop around and find the right insurance company so you don’t have to. Get in touch with us right away for a quote on homeowners insurance in Buffalo, NY and other Empire State communities including Rochester, NY.
What does homeowners insurance cover?
The coverage offered by your home insurance depends on the type of policy. Your basic policy will cover the following:
- Dwelling – This refers to the structure of the home itself. That means the walls, roof, and foundation, will be covered for fires, wind damage, and vandalism. If any covered peril causes damage to your home, you can be compensated for repairs up to the limits of your coverage.
- Contents – A home is more than just a building; it’s also the things inside. With property insurance, your clothing, furniture, electronics, and anything else inside your home can be covered against damage, theft, and vandalism.
- Personal Liability – Did you know you could be liable for another person’s medical bills if they are injured on your property? Say your dog bites a neighbor in the backyard, or a delivery person falls and breaks their arm on the front porch; your home insurance can cover their medical bills or pay for your legal defense.
You may also be at risk for other perils that aren’t covered by standard property insurance policies. Do you live in an area prone to flooding? Do you own any items whose value exceeds the limits of your insurance? Do you have a pool? If any of these apply to you, getting a quote on supplemental home insurance for your home in Rochester, NY is a great idea.
Who needs homeowners insurance?
If you own a house, condo, or apartment, you need homeowners insurance! Without it, you could be responsible for thousands of dollars in repair bills, or you could be paying out of pocket to defend yourself against a lawsuit. Even renters are at risk, so we suggest speaking to one of our agents for a quote on renters insurance or condo insurance. If you own a home, your lender will likely require you to carry property insurance, but you can still choose which company will cover you. Our agents can save you time and effort by shopping around for the best rates.
Contact us today to get a homeowners insurance policy
Insuring your home is one of the best investments you can make, and when you use an insurance brokerage like HCP, getting covered is simple. And while we provide outstanding customer service, working with our team won’t cost you any more than it would to shop for insurance on your own. Call us or request an appointment online to discuss rates for homeowners policies or commercial insurance in Rochester, NY.